Keystone MIC

Keystone Mortgage Investment Corporation (MIC) provides investors with a unique opportunity to participate in the Canadian mortgage market without the need to own property or manage loans directly. Focused on short-term residential and multi-unit property mortgages in Atlantic Canada, Keystone MIC combines the flexibility of private lending with the security of a diversified, income-generating portfolio. By leveraging over 25 years of mortgage industry experience, Keystone MIC delivers consistent returns while addressing the growing demand for alternative lending solutions in underserved markets.

Diversified Stability

Participate in a well-managed, pooled fund of short-term mortgages, reducing individual risk while ensuring steady monthly returns.

Attractive Returns

With projected annual returns of 9-9.25%, Keystone MIC offers competitive income potential for investors seeking stability and growth.

Atlantic Canada Focus‍

Invest in a region with rising demand for flexible mortgage solutions, driven by population growth and housing shortages.

Regulated Transparency‍

Operates under Canada’s Income Tax Act requirements for MICs, ensuring 100% income distribution to shareholders and annual independent audits.

Clarity

Private Lenders are often associated with “direct” private lending in which an investor is tied to a single loan, rather than investing in a pooled fund. A MIC is a pooled fund, so your investment will continue to be well diversified across our book under the new structure.

Necessity

‍When a pooled fund exceeds 50 investors, or investors fall outside family and close acquaintances, or an investor is not accredited, we would no longer qualify under the private issuer exemption, and therefore would be required to create a fund structure.

Why now?

‍Keystone decided to reach a certain scale prior to making the investment to create the fund, however, this has been our plan since launch.

Transparency

‍A MIC is regulated similarly to a publicly traded fund. The Income Tax Act requires MICs to distribute 100% of their income to shareholders as dividends. The fund will be independently audited annually, and financials will be shared with all investors.

Keystone MIC targets a strategic niche within Atlantic Canada, offering flexible, fast-approval lending solutions to borrowers with unique circumstances. By pooling investor capital into a diversified portfolio, Keystone minimizes risk while ensuring a stable monthly income stream for investors.

Key operational strategies include:

• Borrower-Centric Lending: Offering tailored lending solutions for borrowers underserved by traditional lenders.
• Diversified Portfolio: Spreading investments across multiple short-term mortgages to reduce individual risk and enhance stability.
• Expert Management: Backed by a seasoned team with decades of experience in mortgage financing.

Keystone MIC’s approach ensures balanced risk while capitalizing on the growing demand for alternative lending solutions in Atlantic Canada.