Investing

Before considering an investment please request a copy of Fisgard’s Offering Memorandum that details risk. Mortgage investments are not guaranteed, returns may fluctuate and past performance may not be repeated.

Investing with Fisgard

Fisgard is an investment for people of all incomes – students, new parents, families, grandparents and retirees. It’s an investment you can count on, year after year; one where your money grows steadily.

Here’s what makes us different.

With Fisgard you can:

  • Start small if you wish. Open an account with just $1,000.
  • Invest monthly rather than in a lump sum.
  • Enjoy consistent returns since 1995.
  • Save Money. Our trustee fees are among the lowest in Canada.
  • Stay flexible. Go with a 1-year, 3-year or 5-year term. Take your dividends in cash for income or reinvest your dividends for growth.

About the tax-exempt Mortgage Investment Corporation (MIC)

Fisgard is a tax-exempt Mortgage Investment Corporation. We distribute 100% of net profit to our investors, and since MIC dividends paid to investors are treated as expenses for tax purposes, the company is not taxed. The result is a greater return for our investors.

Our investors place cash and registered funds – such as the RRSP, TFSA, RRIF or RESP – in Fisgard, and we invest that capital in quality mortgages secured by valuable Canadian real estate. The mortgages produce steady revenue, which we pass on to our investors every three months. You choose to take your dividends in cash for income or you can reinvest them so your money grows more quickly through compound interest.

Investing in Canadian Mortgages

Professional mortgage lenders do not work in a box, and are able to adapt quickly to market conditions and take advantage of situations institutional lenders have difficulty doing. This is the essential advantage of private lending, and the reason for Fisgard’s uninterrupted net cash dividends of at least 5% each and every quarter over the past 21 years.

When we have to adapt, we do; but rarely do we deviate materially from the basic mortgage investment guidelines listed below:

  • We lend on primarily serviced urban property in communities that demonstrate economic stability and growth.
  • We lend mainly against residential property.
  • We lend from British Columbia to Ontario.
  • We maximize security by making a larger number of smaller mortgage loans as opposed
    to just a few larger loans. In short, we avoid concentration, and we provide diversification.
  • To maximize flexibility the majority of our mortgages are shorter term (1 to 2 years) allowing us to react and adjust quickly to changing market conditions.