Tailored Mortgage Solutions Your Personalized Path to Secure Investments.
Why Invest In Private Mortgages
Private mortgage investments are a secure and profitable alternative to traditional investment options. Every mortgage investment is backed by collateralized real estate, offering added protection for your principal. Once these mortgages meet our rigorous criteria, they are made available for funding through our unique Mortgage Matching Process. Borrowers who struggle to secure financing from traditional sources often turn to private lenders, providing investors with an opportunity to participate in high-quality private mortgages that offer higher returns and reliable monthly cash flow. This strategy helps diversify your portfolio and protects it from traditional market cycles, while delivering attractive returns and lower risks through real estate-backed security.
Compared to direct real estate holdings, private mortgage investments present several advantages. Ontario real estate investors face challenges such as tenant delinquencies, lengthy Landlord and Tenant Board (LTB) delays, and low yields from property management. These issues can lead to costly legal battles, prolonged vacancies, and unexpected maintenance expenses. In contrast, private mortgages generate consistent returns akin to equity investments but with the risk management benefits of fixed-income securities, similar to Guaranteed Investment Certificates (GICs). Mortgages secured by tangible assets provide capital preservation and steady cash flow yielding 10-15% annualized returns, removing the complexities and risks associated with direct property ownership.
Built For Any Market Conditions
Our operations are centered in Ontario, where we focus on providing loans to borrowers undergoing transitional phases, with collateral secured by liquid properties throughout Canada. We concentrate on affordable residential properties located in both urban and suburban areas, while intentionally avoiding commercial, construction, and vacant land investments. This strategy creates a strong base for generating consistent returns, even amidst fluctuating market conditions.
Additionally, our investments are structured as capital-preserved, fixed-income securities, ensuring no impact from fluctuations in market interest rates. By avoiding the volatility of equity markets, we offer our investors a reliable, consistent income stream with minimized risk, regardless of market highs or lows.
Exclusive Investment Opportunities Tailored To Your Needs
Using our exclusive Mortgage Matching Process, we carefully match opportunities to your preferred yield and risk tolerance. If an opportunity doesn’t meet your specific criteria, we simply won’t present it to you.
As one of Canada’s trusted private lenders, we partner with hundreds of mortgage brokers and agents across the country to identify a wide range of prime private lending opportunities for our investors. Our main goal is to present options tailored to your unique investment profile.
We offer capital preservation through private mortgages, secured by real estate. With tangible collateral, investors enjoy consistent returns and protection of their principal, even amidst market fluctuations and economic uncertainty.
Purposeful Approach to Mortgage Investing
Investments Secured By Collateral And Focused On Capital Protection
✓ Our strategy focuses on low-risk, residual mortgages within Ontario’s long-established and consistently strong real estate markets.
✓ Our management team brings over five decades of combined expertise in finance and mortgage lending, with a comprehensive understanding of risk management, operational processes, and regulatory compliance.
✓ Our rigorous due diligence process is powered by an experienced and knowledgeable underwriting team, maintaining an exceptional 0% loan loss rate since our inception.
✓ To further strengthen security and minimize risk, we implement lower loan-to-value ratios across our mortgage investments.
Thorough Due Diligence Process
✓ We provide investors with a comprehensive investment solution, handling everything from sourcing, analyzing, and underwriting mortgages to actively managing both the mortgages and the real estate throughout the investment period.
✓ Once closed, our mortgages are serviced and managed by our in-house team at Fibonaii Group, a mortgage administrator licensed by the Financial Services Regulatory Authority (FSRA).
✓ We implement stringent appraisal standards to ensure we fund only high-quality mortgages, with property valuations that are accurate, reasonable, and conservative, thereby reducing risk and volatility for our investors.
Reliable And Steady Returns
✓ We concentrate on real estate markets with robust economic fundamentals.
✓ Since 2019, we have originated over $30 million in mortgages, delivering predictable returns between 8% and 16%, along with a consistent monthly cash flow.
✓ Our investment model provides diversification, allowing investors to spread risk across multiple properties and mortgage types, enhancing stability and potential for consistent returns.
✓ Our mortgage investments offer both new and experienced investors the opportunity to engage in the real estate market and achieve attractive returns, without the need to directly own or manage the properties.
Diverse Options And Flexibility
✓ Investors are presented with a tailored selection of opportunities that align with their individual profiles. You have the flexibility to decide both the amount and the investments.
✓ Our investment offerings are designed to cater to a variety of investor preferences, with opportunities across different markets, investment sizes, timelines, and risk-return profiles, ensuring a personalized approach.
✓ We provide a wide and varied selection of mortgage investment opportunities, differing in geography, investment size, duration, borrower type, return rates, and risk levels.
TESTIMONIALS
I was initially hesitant to invest with Fibonaii Group, but their transparency and professionalism won me over. I highly recommend them to others!
Zuber M.
Fibonaii Group made investing effortless. Their expert guidance and smooth operations provided me with great returns and peace of mind.
Christina Zhu
My experience with Fibonaii Group has been outstanding. Their personalized service, valuable insights, and efficient operations have exceeded my expectations. I’m thrilled with my investment results and look forward to continued success
Amandeep Gulati
Working with Fibonaii Group has been an exceptional experience. Their expert advice, seamless operations, and top-notch service have greatly enhanced my investment strategy. I'm confident in their continued support and success.
David Walter
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