Collaborative Brokerage Partnerships
With Customized Lending Solutions
Tailored Solutions For Unique Needs
OSMMIC is committed to finding the right financing for each client. We carefully review every application to ensure our solutions are a perfect match.
With our diverse group of investors, we're not confined by traditional bank limitations, allowing us to craft loans that truly resonate with our clients' needs.
Beyond Traditional Banking Limitations
Flexible Financing for Every Financial Situation
We don't let traditional lending criteria like GDS/TDS ratios limit our ability to serve your clients.

Whether they're self-employed or have unconventional income streams, we consider the entire financial picture to approve loans that banks might not.

This flexibility lets us deliver more creative financing solutions, tailored to the real needs of borrowers.
Looking Beyond Credit Scores
Credit scores don't tell the whole story.

Unlike banks, we look beyond mere numbers to understand each client's financial situation.

This holistic view allows us to offer funding solutions that consider a client's payment history and potential, rather than just their credit score.
The Client Always Remains Yours
We ensure you're informed about all aspects of the deal throughout its entire duration, including timely reminders of the file's maturity.

This allows ample opportunity for you to discuss potential new solutions or renewals with your client.

Our aim is to provide brokers with the necessary tools to meet their clients' needs effectively.

Ultimately, our goal is to help you stand out positively in your clients' view.
The OSMMIC
Lending Guide
Loan-to-Value Ratios
Majority at 65% LTV, with a blend of mortgages at 75% LTV
Mortgage Options
First-position mortgages, second-position mortgages
Terms
Both Closed and Open, with lengths up to 24 months
Repayment
Interest-only or Amortized options available
Expert Lending Across B.C.
Flexible Financing for Every Financial Situation
We don't let traditional lending criteria like GDS/TDS ratios limit our ability to serve your clients.

Whether they're self-employed or have unconventional income streams, we consider the entire financial picture to approve loans that banks might not.

This flexibility lets us deliver more creative financing solutions, tailored to the real needs of borrowers.

Submit a Deal

Where Does OSM Mortgage Investment Corporation Offer Lending Services?

OSMMIC lends in British Columbia, focusing on residential properties in major urban areas.

What Happens When a Mortgage Reaches Maturity?

Approximately 60 days prior to maturity, our team will reach out to discuss your clients plans and explore the options available to them.

Why Should I Choose OSMMIC for My Clients' Mortgage Needs?

Choosing OSMMIC for your clients' mortgage needs means opting for a lender that goes beyond traditional criteria, offering flexible and creative financing solutions that consider the whole financial picture, including clients with unique income situations or lower credit scores. We specialize in the British Columbia market, providing personalized attention and a wide range of options, from first to third mortgages, with the aim to make you shine in your clients' eyes by delivering real solutions for real people.

Are There Any Restrictions on the Types of Properties OSMMIC Finances?

OSM MIC offers a flexible approach to financing and does not impose strict restrictions on the types of properties we finance. Our focus is on providing real solutions for real people, which means we evaluate each case individually to offer the best mortgage solutions. While we specialize in lending across British Columbia and understand the unique market dynamics of this region, our goal is to work with brokers and clients to find creative financing solutions that fit, regardless of the property type. Whether it's residential, commercial, or a unique property, we encourage brokers to discuss their clients' needs with us so we can explore all possible options.

How Fast Can OSMMIC Approve Deals?

We're committed to providing you, the broker, with fast and effective processing, ensuring your clients' needs are met with swift approvals.

What Financing Terms Does OSMMIC Offer?

At OSM MIC, we offer flexible financing terms tailored to your clients' needs, including up to 75% LTV on 1st and 2nd mortgages, both closed and open terms available, and terms lengths of 24 months or less. Payments can be interest-only or amortized, allowing us to accommodate a wide range of financing scenarios.