Investors

Invest with Confidence in Private Mortgages

At BMC Mortgage & Investments, we offer more than just mortgage solutions—we provide opportunities for investors to grow their wealth with confidence. Our private lending platform allows investors to participate in secured mortgage investments that deliver stable, attractive returns. If you’re seeking a reliable way to diversify your portfolio, investing in private mortgages offers a proven path to achieve your financial goals.

Our Commitment to Investors

At BMC Mortgage & Investments, we prioritize transparency, trust, and security. We carefully evaluate every loan opportunity, ensuring that each investment aligns with your financial objectives. Our experienced team offers personalized support, guiding you through the process and helping you make informed decisions at every step.

We take the complexity out of private mortgage investing, offering you a straightforward and effective way to grow your wealth.

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Consistent Income
Portfolio Diversification
Security and Control

Stable
Returns

Private mortgage investments often yield higher returns than traditional fixed-income investments, such as GICs or bonds, without the unpredictable swings of the stock market.

Diversified
Risk

By investing in a diverse range of mortgages across various properties, you can effectively minimize risk while maintaining a steady and reliable income stream.

Secured by
Real Estate

Each loan is backed by real property, providing a solid foundation of security and giving investors peace of mind. This added layer of protection ensures that your investment is grounded in a tangible asset.

How It Works

Apply for a mortgage Fill out a few details outlining your needs
Determine loan amount Find out the mortgage amount you can afford
Get fast funding Receive your money in as little as 24 hours

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Investors FAQs

How does private mortgage investing work?

When you invest in private mortgages through BMC Mortgage & Investments, your capital is used to fund real estate loans for borrowers who may not meet the stringent requirements of traditional lenders. These borrowers range from homeowners needing refinancing to investors seeking short-term bridge financing for a commercial property. In exchange, you receive interest payments throughout the term of the loan, creating a consistent income source.

Our team of mortgage professionals handles every aspect of loan management, from vetting borrowers to ensuring timely payments, so you can focus on enjoying the returns.

How does the process of underwriting a private mortgage work, and what should I look for in potential borrowers?

Underwriting a private mortgage involves assessing the borrower's income stability, and the property’s value. Key factors to consider include the borrower's ability to make payments, the LTV ratio, and the property’s location and condition. It's essential to perform thorough due diligence to minimize risk.

What are the potential returns on investing in private mortgages compared to traditional investments?

Private mortgages typically offer higher returns than traditional investments like bonds, GIC’s, or savings accounts, often ranging from 8% to 14%. These returns are realized on a monthly basis, versus an annual dividend or quarterly payout. These returns can vary depending on factors such as the borrower’s, the loan-to-value (LTV) ratio, and the specific terms of the mortgage.

How do private mortgages compare to other real estate investments in terms of risk and return?

Private mortgages generally offer a more predictable return compared to other real estate investments like rental properties, which can be subject to market fluctuations and maintenance costs. However, the risk level can be higher depending on the borrower’s financial stability and the property’s value. Thorough due diligence is essential to mitigate these risks.

What are the primary risks associated with investing in private mortgages?

The main risks include borrower default, property devaluation, and market fluctuations. Unlike traditional investments, private mortgages are less liquid, meaning it can take time to recover funds if needed. Investors can mitigate risks by lending conservatively, typically at a lower LTV ratio, and diversifying their mortgage investments.

What are the tax implications of earning income from private mortgage investments?

Income from private mortgages is typically taxed as interest income, which is subject to regular income tax rates. Depending on your jurisdiction, there may be ways to structure investments to minimize tax liability, such as holding the mortgage in a tax-advantaged account. It’s advisable to consult with a tax professional to understand your specific tax obligations.

Start Investing Today

If you’re ready to explore the benefits of private mortgage investing, contact a mortgage broker to learn more. We’re here to answer your questions, discuss your financial goals, and help you get started on a path to stable, reliable returns.

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