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Taking You

To New heights


Canada's top-level asset management corporation working closely with the risk management team

Safety control

Four major security mechanisms

Return control

Mature capital markets

Access control

Easy process with open and clear communication

Financial Business

HRU has a conservative underwriting strategy., HRU selects mortgages in large mature markets with a diversified portfolio to mitigate concentration risk.

Current Investments

Real Estate

HRU Mortgage Investment Corporation is the headline investment product launched by HRU in 2017. Debentures are collateralized by residential properties located in prime locations of the Greater Toronto Area, Canada to create a well-diversified portfolio.

We allocate our investments in properties with high yield and liquidity, to create a stable financial product that is unique base on our credit-risk assessment.

Investment Model

What is a MIC?



A mortgage investment corporation or MIC is an Investment and Lending vehicle designed specifically for Residential Mortgages in Canada.

Investing in a MIC enables you to invest in a managed and diversified pool of mortgages. Shares of a MIC are Qualified Investments under the Income Tax Act (Canada) for Registered Tax Accounts, including RRSP, RRIF, TFSA, and RESPs. Profits generated by MICs are distributed to its Investors according to their proportional interest. The mortgages are secured on real properties, often in conjunction with other forms of security such as: personal guarantees, blanket security agreements, and assignments of material contracts (i.e. insurance policies prepared by lawyers for the MIC).


Trust Companies

We are working with Olympia Trust as our unbiased Trust Administer and Trustee for HRU (#70987654641) clients'  Registered accounts. They do not sell or promote any investment offerings. They are here to assist investors by holding investor funds and securities in trust, processing investment transactions as instructed, assuring investment compliance, issuing tax documentation, and record-keeping.

A Trust Company is a corporation, especially a commercial bank, organized to perform the fiduciary of trusts and agencies. Trust Company administers several types of investment plans, including RRSP, TFSA, RRIF, RESP, LIRA, and LIF, as well as Non-Registered Individual, Joint, and Corporate accounts.


Investments allowed to be held include:

  • MICs

  • Exempt Market Securities

  • Private Mutual Fund Trust Units

  • Private Corporate Debt Securities

  • Private Company Shares (CCPC)

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