HRU MORTGAGE INVESTMENT CORPORATION
Invest in your
future now.
Diversified investment portfolio across the GTA targeting 8.0% returns.
01 / INVESTMENTS
HRU Preferred
SIF B-1.
Compounded (DRIP) or monthly dividends.
Secured through Real Estate debt.
INVESTMENT PLANS
Invest in your
future now.
Compounded (DRIP) or monthly dividends
Secured through Real Estate debt
THE HRU EDIT
In the loop.
News, events, promotions and product updates. A fresh look at what’s happening at HRU.
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THE INVESTMENT CYCLE
How it works.
A Mortgage Investment Corporation (MIC) is a specialized Canadian investment in a diverse pool of managed mortgages.
Investment
Investor money placed in MIC
Mortgages
MIC offers short terms mortgages
Interest Payment
Mortgage Payments flow back to MIC
Dividend
MIC distributes profits back to investors
MIC shares qualify under the Income Tax Act (Canada) and can be held in registered tax accounts like RRSPs, RRIFs, TFSAs, RESPs and FHSAs, as well as in Cash, subject to the applicable account and trustee terms. Profits are distributed to investors based on their share, with mortgages secured by real properties and additional security.
02 / MORTGAGES
We lend just
for you.
We Specialize in Non Standard Mortgages
Mortgage enquiriesFor Customer Service
MORTGAGES UP TO
for detached,
semi-detached houses
& townhomes
for high-rise
condos
Why Borrow from HRU
01Custom Terms
Choose from 15 days to 12 months, with options for open, closed, or mixed terms.
02Flexible Payment Methods
Prepayment, partial payments, or full payments.
03Interest Only
Calculated based on the outstanding balance each day.
04Client-Centered Approach
Tailored solutions to meet individual needs, with transparency and support.
03 / ABOUT HRU
Quality.
Commitment.
Accountability.
Founded in 2017.
Founded in 2017, we offer investment and mortgage services. We focus on secure investments through low risk mortgages in the Greater Toronto Area. Our strict guidelines ensure stable, long-term returns for our investors.
REGISTERED ACCOUNTS
Trust companies.
We partner with Olympia Trust (#70987654641) and Odyssey Trust as the unbiased Trust Administrators and Trustees for HRU clients' Registered accounts. These trusts assist by securely holding investor funds and securities, processing investment transactions, ensuring investment compliance, issuing tax documentation, and maintaining records.
OUR CLIENTS
In their words.
I’ve been investing with the team for over three years now. The returns have been consistent, communication is clear, and I really appreciate the transparency with every deal.They understand real estate. The process was fast, straightforward, and professional, perfect for bridge financing when timing mattered most.01 / 05
A LITTLE MORE CLARITY
Frequently
asked
questions.
Contact usSources & review date
Reviewed November 7, 2026. General information draws on CRA guidance, Income Tax Act section 130.1 and the OSC’s investor education site. HRU-specific terms are described in the offering documents.
01What is a Mortgage Investment Corporation (MIC)?
A MIC brings investors together to participate in a professionally managed portfolio of mortgages. Borrowers pay interest on loans secured by real estate, and the MIC distributes available income to shareholders after expenses. It offers a way to participate in mortgage lending without choosing and administering individual loans yourself.
02Why do investors consider HRU MIC?
HRU MIC combines a real estate lending focus with a managed mortgage portfolio and a choice of monthly income or reinvestment. The Series B-1 offering targets an 8% annual yield, with a bonus feature described in the offering terms. It can complement an income-oriented portfolio for investors whose objectives and time horizon fit the offering. The target is not a guaranteed return.
THE HRU JOURNAL
A clearer perspective.
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For a call or meeting, visit our conversation page. For mortgage financing, connect with our mortgage team or submit a deal online.
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