Mortgage Investment
 Wise Stable Ideal  Wealth Growth
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Quarterly Dividends

Regular dividends are distributed quarterly, providing you with stable, legal local income in Canada to ensure your financial security.

Annual Audit

Amber MIC undergoes an annual audit conducted by one of the world’s four major auditing firms, KPMG. Investors can refer to our annual audit report at any time.

Property Collateral

Each of our loan investments is secured by real estate properties in the core areas of Toronto and Vancouver.

About Us

Amber Mortgage Investment

With Integrity, into the Future.

Amber Mortgage Investment Corp. (referred to as “Amber MIC”) is a financial institution chartered under the Canadian Income Tax Act, providing first and second mortgage loan services to individuals and commercial borrowers. The collateral for mortgage loans is real estate located within Canada, including single-family homes, apartments, townhouses, multi-unit residences, retail spaces, offices, industrial properties, and real estate development projects.

Amber Financial Services Corp. (referred to as “Amber”) is the management company for Amber MIC. Amber Financial Services Corp. is a leading innovative financial services and mortgage brokerage company, connecting with over 30 financial institutions in Canada. Leveraging platform resources, it offers borrowers flexible and reasonable mortgage loan solutions and consumer loan options.

Amber Financial and Amber MIC are committed to providing borrowers with fast and flexible loan services and offering investors high-yield, stable investment opportunities.

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210M

Total assets under management

34.46M

Total cumulative dividends

8.24%*

Annualized compound interest rate for 7 consecutive years

Data as of Dec 31, 2023

Reliability,
Stability, Growth

Unique Advantages

Investment Highlights

/01

Expected Return on Investment

The majority of Amber's mortgage borrowers have mortgage interest rates ranging from 9% to 12%. Our goal is to provide investors with an average return exceeding 8% after deducting costs.*

/02

Maximizing Profits

As part of our business model, Amber MIC will distribute all net income to investors, with such distributions expected on a quarterly basis.
/03

Secure and Stable

Each and every mortgage is secured by Canadian properties, primarily high-liquidity properties in prime locations of central cities. Borrowers must have a clear and feasible exit plan to ensure repayment fund sources.
/04

High Transparency

Amber MIC ensures that investors are regularly informed about their investment status. Dividends and investment reports are released quarterly, and investors receive audited financial reports annually.
/05

Continuous Cash Flow

Quarterly dividends from stable, regular, and legally sourced Canadian income.
/06

Open to Non-Canadian Residents

Both Canadian and non-Canadian companies and residents can make investments.
/07

Registered Accounts Welcome

Investments are welcome in RRSP (Registered Retirement Savings Plan) and TFSA (Tax-Free Savings Account) accounts.
Investment Portfolio Highlights

Transparent, reliable & stable

Amber manages a diverse portfolio of mortgage loans, and this diversified portfolio helps reduce investment risk. MIC investors can participate in the real estate market by purchasing preferred shares without having to purchase the property themselves, thus achieving higher investment liquidity. In addition, MIC’s transparent tax policy also enables investors to enjoy preferential tax treatment.

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01
75.12% collateral properties located in GVA
02
60.34% of portfolio are residential properties
03
52.66% - average loan to value ratio (LTV)
04
8.24%* - annualized compound interest rate for 7 consecutive years

Data as of Dec 31, 2023

Our Projects

Learn about our projects, unlock your financial opportunities

Amber’s mortgage investment portfolio encompasses various property types, including apartments, detached houses, townhouses, land, multi-unit residences, and other commercial properties. Our collateral assets are primarily located in key areas of Greater Vancouver and the Greater Toronto Area. This diversified portfolio includes both first and second mortgage loans.

The diversity of our portfolio enables us to effectively manage market risks. The precise control of loan diversification and loan-to-value ratios provides robust stability to Amber’s funding pool, significantly enhancing Amber MIC’s ability to respond to market fluctuations. This multi-layered diversification not only aids in risk mitigation but also maximizes investment returns to the greatest extent possible.

Loan Amount: $220K

Our client is a young entrepreneur residing in Toronto, operating an automotive parts store. He owns a property in downtown Toronto, which he is using as collateral to apply for a mortgage from Amber. The reason for his loan application is his plan to open another shop, requiring initial funds for establishing the business, operations, and marketing.

Loan Amount: $1.05M

Our client sold their existing property and, following the completion of the transaction, acquired a piece of land to build a custom-designed, brand-new detached house. The client is using this land as collateral to apply for a loan from Amber. The funds, as stated by the client, will be used to support the expenses incurred in renovating and rebuilding the house.

Loan Amount: $300K

Our client was once a successful female entrepreneur who, along with her husband, built a successful business in China. Now, she is a contented stay-at-home mom, raising three exceptionally talented children. Her eldest daughter has already started working in the United States, and now she and her two other children reside in Vancouver. Juggling the daily lives of her children, she doesn't have the time or energy to transfer money from overseas. Therefore, she approached Amber, hoping to mortgage her property in Vancouver to access some cash to support her daily living expenses.

Loan Amount: $1.4M

Our clients are three brothers involved in land and building development projects. The eldest brother and another partner jointly own a property. They wish to acquire a 50% stake in the property registered under the other partner's name, and therefore, have registered a new company. The three brothers approached Amber, seeking to use the property as collateral for a mortgage to complete this transaction. They also intend to set aside a portion of the funds for supporting the development of the project.

Loan Amount: $2.8M

Our client requires a loan of $2.8 million to support the acquisition of three upscale condominium properties. In addition to these three soon-to-be-closed residences, the client has also used two other commercial properties under their name as collateral, ensuring that the Loan-to-Value (LTV) ratio remains within a manageable risk range.

Loan Amount: $700K

Our client is the owner of a car dealership, running a used car business in Toronto for over a decade. Approximately two years ago, he expanded his business ventures into house flipping. Over the past two years, he and his partner have renovated two properties, with one of them already listed for sale. The client approached Amber with the intention of securing a 75% mortgage, with a 25% down payment, to facilitate the purchase of a new property. This would mark their third renovation project.

Loan Amount: $800K

Our client is an entrepreneur from China who owns real estate and a private lending company in Canada. Since immigrating to Canada in 2008, she has acquired multiple properties. She approached Amber with the intention of using two of these properties as collateral to secure a loan for the purchase of an office space in downtown Vancouver.

Loan Amount: $1.05M

Our client is a real estate broker in Toronto who purchased pre-construction units for two commercial properties in 2019, with completion in October 2021. The client also owns three other shops in the same business district. Seeking assistance from Amber, the client is using the three already completed shops as collateral to facilitate the acquisition of the new pair of commercial properties.
Our Team

Licensed Investment Advisor

Our team members bring diverse backgrounds and rich experiences, infusing the company with vibrant energy. Our core values, including professional excellence, customer-centricity, innovation drive, and transparent integrity, form the robust foundation of our success. Amber Financial consistently upholds these values, integrating them into our work and interactions with clients, guiding us to achieve one outstanding accomplishment after another. On the journey to realizing your financial goals, our mortgage agents stand alongside you with a commitment to professionalism and rigorous service.

Derek Meng, Director of Marketing
Derek Meng
Frank Liang
Frank Liang
Audrey Liu
Audrey Liu
Jenny Liu
Jenny Liu