We Invest In
British Columbia

Real Estate Investment Made Simple & Accessible

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10% Approximate Annual Return
Paid out through monthly dividends
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150+ Years Of Experience
Combined mortgage industry experience
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Reinvest & Grow
Reinvest dividends with our DRIP plan
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How OSMMIC Works
01
Sign up with FrontFundr to assess investment suitability
02
If the investment is a fit, the investor buys shares
03
The MIC allocates pooled funds for mortgages
04
The MIC generates income from mortgage interest
05
Investors can either withdraw or reinvest their returns
06
Income minus expenses is paid as dividends to investors
Leadership with Proven Results
OSM's leadership, with a combined experience of over 78 years, brings unparalleled expertise to your investment journey.
We're not just managing; we're leading the way in private mortgage lending.
Saverio Spadavecchia, Director
Saverio Spadavecchia
Director
Sergio Spadavecchia, Director
Sergio Spadavecchia
Director
Mark Chala, Director of Operations
Mark Chala
Director of Operations
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Why Choose OSMMIC?
Investing with OSM means joining a pool of savvy investors.

Your funds are strategically lent out in the real estate market, generating steady returns through interest payments.

It's real estate investment made simple and accessible.
$2.25M
Capital Raised
10%
Approximate Annual Return
150+
Years of Mortgage Experience
Portfolio at a Glance
A carefully curated collection of residential mortgages in BC’s thriving urban areas. We focus on secure, high-return opportunities, maximizing your investment potential.
The Initial Offering
OSM Mortgage Investment Corporation has set a goal to secure $10 million in our first year of operation. We're opening this opportunity with a minimum investment threshold of $100,000.
Maximize Returns with OSMMIC
OSM Mortgage Investment Corporation aims for strong returns with our strategic distribution approach. Currently, we’re targeting returns of 9-10%.  Plus, as an OSMMIC investor, you’ll share interest penalties across all our mortgages, boosting your overall returns.
Dividend Reinvestment Plan (DRIP)
Reinvest a monthly dividend while investing in conservative mortgages at low loan to value ratios backed by security on primarily residential real estate in BC.
Consistent Returns Paid Through Direct Deposit
Enjoy the simplicity of automatic payments with OSM Mortgage Investment Corporation’s monthly direct deposit feature.  Every month you can look forward to consistent and convenient payments, deposited directly to your account.
FAQs

What is a Mortgage Investment Corporation (MIC)?

A Mortgage Investment Corporation (MIC) is a type of investment and lending company in Canada that pools capital from investors to provide mortgages to borrowers. MICs invest in mortgage loans, offering investors a way to participate in the real estate market without directly buying property.

What kind of returns can I expect from investing in the OSMMIC?

OSMMIC is targeting a return of +10% for its investors. Although a management fee of up to 2% can be charged, we are currently focused on growing the fund and maximizing our investors returns. The returns are supported by high-interest rates on 1st mortgages and penalties from borrowers, with potential for further increase through strategic leveraging and portfolio management.

Are OSMMIC investments secure?

OSMMIC investments are secure, offering a product that provides desired returns through conservative mortgages at low loan-to-value ratios, primarily backed by residential real estate in British Columbia. Our extensive experience in private lending and underwriting further ensures the safety and reliability of your investment.

Can I invest in the OSMMIC through my RRSP or TFSA?

Please book a private consultation to learn more here.

How is the interest from the OSMMIC investments taxed?

The Income Tax Act requires that 100% of a MIC’s annual net income, be distributed to its shareholders, in the form of a dividend. This dividend is taxed as interest income. You will be provided with a T5 at the end of February each year.

How is the risk managed in the OSMMIC?

OSM Mortgage Investment Corporation (OSMMIC) is managed through investing in conservative mortgages at low loan-to-value ratios, primarily secured by residential real estate in British Columbia. This approach, coupled with the diversification of pooled mortgage assets and the expertise of a seasoned management team from One Stop Mortgage Corp., helps mitigate risk and ensure the security of investments.

What is the minimum investment required for OSMMIC?

The minimum investment amount required to participate in OSM Mortgage Investment Corporation (OSMMIC) is set at $100,000. This threshold is part of OSMMIC's first offering aimed at securing a diversified portfolio of mortgages, allowing investors to share in the returns generated from this pool of assets.

MIC Advantages & Risk Mitigation
A carefully curated collection of primarily residential mortgages in BC's thriving urban areas.
We focus on secure, high-return opportunities, maximizing your investment potential.
Advantages
Real Estate Security: Each mortgage is backed by tangible real estate.

Stable Cash Flow: Consistent income streams from diversified mortgage investments.

Diversified Portfolio: Investors gain from a varied range of mortgage assets.

Superior Returns: Our offerings typically outperform traditional investment products.
Risk Mitigation
Focused Lending Areas: We specialize in the stable, growing, and liquid markets of British Columbia and Alberta

Strategic Loan-to-Value Ratios: Our LTVs are carefully calibrated to balance return and risk.

Approved Appraiser Network: All properties are appraised by qualified, internally approved professionals.

Robust Mortgage Security: Legal counsel meticulously prepares and reviews all mortgage securities.
Book a Private Consultation Now!
New Investments/Trades are handled by FrontFundr Financial Services Inc.
https://www.smvcapitalmarkets.com/osmmic
Proudly managed by OneStopMortgage Corp.