Welcome to PEMPAC, Private Equity Mortgage Professionals Association of Canada®.
PEMPAC is the Canadian chapter of the International Private Mortgage Institute (PEMI)® members who have earned a Certified Private Equity Mortgage Professional (CPEMP)TM designation.

Who & Why Are We?

The Private Equity Mortgage Institute PEMI® (www.peminstitute.org) is the operative division of the International Private Equity Mortgage Institute (IPEMI.org, www.ipemi.org), a global professional association of real estate finance professionals including: investors, lenders, mortgage bankers, licensed brokers and licensed agents; who trade in the highly specialized field of PEMI-CertifiedTM Private (Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated) Equity MortgageTM transactions.

Generically, such investor-lenders are referred by the term of art: "private lenders"; and generically, such transactions are referred by the term of art: "private mortgages".  Terms of Art are not defined consistently - depending on the subject matter -  so have broadly accepted meanings and applications-of-use. Due to inconsistent definitions and applications-of-use of the terms of art: "private lender" or "private mortgage", there is a high degree of confusion within the global marketplace when it comes to distinguishing a credible, non-bank, non-institutional, non-syndicated, non-regulated, real estate debt industry participant or transaction, from one that is not.

Such confusion has lead many inexperienced mortgage consumers (borrowers) and unsophisticated mortgage investor-lenders to incur significant losses caused by errors, omissions, inexperience or negligence by individuals who claim to be professionals in the domain of non-bank, non-institutional, non-syndicated, non-regulated, real estate debt transactions when they are not. Or, a real estate debt transaction is represented to be of a non-bank, non-institutional, non-syndicated, non-regulated nature, when it is not.

Through the establishment of standards, criteria and trademarked terms including: Private Equity Mortgage (PEM)TM, the Private Equity Mortgage Institute provides consumers, investors, government and related parties with distinguishing marks and source identifiers for non-bank, non-institutional, non-syndicated, non-regulated, real estate debt transaction and  related industry professionals.

Members and Fellows of the Private Equity Mortgage Institute hold the prestigious PEMPTM designation.

Mission & What Does PEMPAC Do?

PEMPAC's role is to advance the International Private Mortgage Institute (PEMI) global mission, within Canada.

This includes, the advancement of professionalism, ethics, quality, global standards (ISO 9000/GAMUS.org), methodologies, advocacy, compliance, business & operational practices through the professional development of real estate finance commerce, worldwide.

Consumers (borrowers), investors, lenders, mortgage bankers, licensed brokers and licensed agents who participate in Private Equity Mortgage (PEM)TM transactions in our countries-of-interest (see below), will benefit from the Private Equity Mortgage Institute as follows:

Private Equity Mortgage (PEM)TM Education
Private Equity Mortgage (PEM)TM Standards
Industry Classes - Professional Designation
Industry Advocacy
Borrower Advocacy
Research, White Papers & Policy Reports
Expert Witness
Learn more about what we do