Private Equity Mortgage (PEM®) Investor-Lenders
MortgageQuote Private Equity Wealth:
"Create Your Wealth, Protect Your Wealth™: BE THE BANK®"
Sleep well at night™
(services available to all persons, from any country)
Real Estate Secured Income Investment Opportunities for Real Estate & Finance Investors
MortgageQuote Canada Corp.: Bringing Certified Levels of Safety, Reliability and Good Quality to the Investor World
DIRECT LENDING through PRIVATE EQUITY MORTGAGE INVESTING, WORKS!
If leaving a legacy and multi-generational wealth is important to you, read this.
For hundreds of years, generations of families throughout the world have invested their private wealth and earned above average returns with low volatility through loaning money secured by real estate -- and so should you.
At MortgageQuote, we have discovered that if you would like to control your investment future with a focus on multi-generational wealth; hundreds of years of history proves that less reliance on the public markets (or pooled investing) and greater reliance on direct mortgage investing, is effective.
Marketed by a devoted team of Certified Private Equity Mortgage Professionals CPEMP™ working within our MQCC Private Equity Mortgage Investment Division. Contact Us today.
*Rates of Return Chart Details
Past performance is not necessarily an indication of future performance.
Mortgage investments are fully secured by way of registration on property title.
Source of Treasury Bond Yields: Financial Post.com (CAN/USA), Investing.com (AUS), Hargreaves Lansdown (UK)
Source of Gold Market Yields: Yahoo Finance/SPDR Gold Shares (GLD)
Private mortgage investment transactions are marketed in Canada by MortgageQuote Canada Corp.
Contact us for information on investing in other countries.
Direct Lending Investor Services: Wealth By MortgageTM - Private Equity Mortgage Investments & Lending: Grow(TM)
Allow us to introduce to you, the oldest, proven investment business in world history: lending secured by real estate.
Earn investment returns in YEAR 1!
The stock markets are only 100 years old and force generations of investors to "invest for the long term", for a payback of maybe 8% over 50 YEARS - if you're lucky. See Credit Suisse report, below. For hundreds of years, historical lending secured by real estate gives returns of 12% and higher, in YEAR 1. There is no comparison. STOP THE MADNESS(TM) - why go through decades of volatility with market uncertainty caused by crashes, ultra efficient competing players like hi-frequency traders and a world where only the hedge fund managers Senior Management of public companies and insiders seem to be making all of the money in the current year, and you are forced to wait for the future.
Invest through MortgageQuote. The world's only certified ISO 9001:2015 quality management investment house for the scope of Mortgage Banking and Mortgage Brokerage Operations. Investors: Trust the Process, not the Person. And start making money in YEAR 1!
Direct Mortgage Investing: Better Yields and Less Risk than the Stock Market
Invest some of your surplus, accumulated wealth in mortgages and generate better annual yields - with far less risk - than the market.
- As of September 30. 2015; over 10 years, S&P 500 has a NET TOTAL RETURN of 6.12%.
- Credit Suisse says between 3-6% on average, per country, over 100 years. See attached Report (Research Institute).
Visit PEMX for our private equity mortgage returns.
NOTE: The total return version reflects the effects of dividend reinvestment. Finally, the net total return version reflects the effects of dividend reinvestment after the deduction of withholding tax. Source.
A good S&P500 calculator is here.
Our Investor-Lenders generate greater returns in 1 year than what the capital markets will offer over multiple years, with less risk.
Better yields and less risk than the nouveau stock market. Learn More
Invest * Wealth * Stewardship
* Generate a range of returns from 7% - 12%+ , year over year, consistently
*Better yields and less risk than the stock market. No Public Market Volatility
* Fully secured by real estate, in YOUR name
* Bypass stock market volatility and related risk
* Your own private banking & credit system
* Fully regulated by federal, sovereign, provincial or state authorities in our jurisdictions-of-interest
* 100% Absolute Investor Control - we do not touch your money; the money stays with you or your lawyer's control (under your direction), at all times
* A very simple business - no need to financial jargon and rhetoric
* Fully Secured Debt Instruments - secured by title to real estate
* Market Exempt, Free Trading Securities
* Global marketplace
* Monthly coupon payments (monthly income)
* Lump sum payment upon maturity
* Low beta; Custom Nominal Rates; Custom Discounts; Custom Terms
* Perfect for investors who understand real estate-as-an-investment or those individuals with an understanding of the legal system or have a background in law
* Established rules of law covering: origination, security registration, default management and security enforcement
* Easily maintained by your surviving spouse, adult children, trustees, executors or assigns
* Multiple business models: Passive (investing) and Active (lending) methods
* Marketed through licensed, quality managed mortgage brokers, world wide
*Peer-to-Peer Lending Compliant
*Finance and legal professionals who work in accordance with utmost good faith and with the Model Code of Conduct developed by the Federation of Law Societies of Canada (Alberta Law Society, Law Society of Upper Canada (Ontario), or Law Society of BC) Private Equity Mortgage Institute PEMI® Code of Conduct.
SOURCE: PEMX: Industry Education - Used with permission.
Direct Private Mortgage Investment-Lending
- So...You want to be a Private Mortgage Lender?
- What is Private Lending - Why be a Private Lender?
- Why do People Borrow Money from Private Lending Sources?
- Private Lending & Peer-to-Peer Lending - what's in a name?
- Private Borrower Declaration - "Invest in We"
Why Private Equity Mortgage Investing?
The Power of Private LendingTM, We help you GROWTM
Since before 2005, the internal management and subsequent, publicly stated theme for MortgageQuote Canada Corp. and it's stakeholder's is to GROWTM. It's more than a word; it's a philosophy.
The whole point of being alive is to grow, to improve and to better yourself from the moment before.
With the MortgageQuote Canada Corp. certification as an ISO 9001 quality managed company and our expertise in peer-to-peer lending, we not only seek to improve on a continual basis, we seek to GROWTM.
Learn More about ISO 9001 (Quality Management, Continuous Improvement).
Learn More about Peer-to-Peer Lending (Privatelender.org, MQCC and PEMI®'s enforcement agent).
GROWTM: That's what the humans are designed do, that's definitely what good companies do, and that's what exactly well-educated investor's seek. Makes you want to Live a Life Worth LivingTM - doesn't it?
Fully Secured Cashflows with Principal Repayment
One excellent method of investing is to participate in the Private Mortgage Investment sector. Mortgages are essentially bond instruments that provide investors current income (monthly payments) and principal appreciation at maturity (lender discount).
By investing in mortgage securities, you get monthly coupon payments and upon maturity of the mortgage term, the investor gets their principal returned along with any lender discount that might have been applied at the time of origination.
Better than Investing in Companies or Pooled Investments: No hiding behind an Offering Memorandum or Prospectus
Why in invest in a company's shares? Can you really trust the company management? Remember Enron? Volkswagen? Bre-X? and so many more. No Offering Memorandum, No Prospectus; only freedom and control.
If you pool your funds with other investors and then let another person decide what to do with your money i is that good for you? You lose more than freedom and control -- you can even lose your principal.
Private Mortgage Investing is for everyone
The Sahukaar's of India, Fangzhai of China, Merchants of Europe; these networks of individuals and families have loaned money secured by real estate (private mortgage lender) for hundreds of years. You can too.
In today's world, anybody who has saved up some money can become a private mortgage lender. All you need are some basic training, a law firm and MortgageQuote.ca: Investor Services.
Risk, Regulatory Compliance, Accreditation & Education
All primary mortgage securities investment or lending transactions are Private Equity Mortgage Institute's PEMI®: Peer to peer lending compliant.
Mortgages are everywhere
Private mortgage investing is a worldwide practice and an excellent way to invest your money for both the short term and the long term.
Mortgage security lasts forever
Unlike investments in non-mortgage instruments, mortgage security is registered on real estate via a land titles registry or escrow system, so it effectively "lasts forever" or, until your money is repaid to you or you take ownership of the secured real estate. This high level of control is achieved because your investment capital is secured against corresponding real estate and your interest in the property will remain until the mortgage "dies". Death of a mortgage security investment happens by either repayment of the original principal (along with accrued interest) or, when the underlying property is sold and all registered debts (mortgages, property taxes, liens) are paid.
Mortgage security gives you full control
When you are a mortgagee registered on title, you have full control with respect to what happens with the underlying property. If the property owner is in default and the property goes into foreclosure, as a mortgagee, you have several options, namely: you can sit back and watch the proceedings from the sidelines, or you can effect your own transaction and control the process of how the asset is liquidated. For example, if the property is listed for sale due to non-payment taxes (pursuant to a super-priority interest registered by the taxation authorities), you, as the mortgagee, have the ability to choose to pay the taxes on behalf of the mortgagor. You may also simply choose to allow the property to go into foreclosure and ultimately, judicial sale (conduct of sale) -- no problem. You might also choose to negotiate with the mortgagor in order to transfer the property into your name and offer mortgagor to lease the property back, or agree to sell it. When it comes to mortgage security, you have full control and can make decisions with respect to the asset based upon what suits you.
Benefits of Private Mortgage Investing
Visit: www.privatelender.org to learn more about the benefits of private mortgage investing.
Benefits of MortgageQuote.ca PEMX® Terminal
* An information and transaction exchange system created by private mortgage investors, for private mortgage investors.
* Cloud based Mortgage Origination & Investment Administration System
* Access to mortgage transactions originated by mortgage brokers throughout the world.
* Zero Defect Policy: Internationally recognized quality management system (ISO 9001:2015) ensures errors and omissions are reduced or eliminated.
* Steady supply of mortgage investment opportunities that are organized in a uniform and coherent manner.
* Invest, divest or exchange private mortgage security instruments with other private mortgage investors throughout the world with EP5, our proprietary private mortgage exchange platform.
* Gain from our underwriting experience: APLUS® a proprietary equity mortgage underwriting and risk assessment system helps you make good investmemt decisions.
* Intuitive, easy-to-read Mortgage Investor Dashboard (track your applicants, current and past borrowers, lawyers, title companies, appraisers, inspectors, unsigned and signed origination and security and registration documents in one central location).
* Our one-of-a-kind approach gives any private mortgage investor/lender the very best in quality organization, systems, performance and results.
Where to find a quality managed, licensed private mortgage broker? As an investor, it is best to work with mortgage brokers who are licensed in a jurisdiction that you would like to invest in and have instituted rigorous quality management systems in order minimize errors and omissions. Through the PEMX Mortgage Exchange, MortgageQuote.ca has established standing and ad hoc relationships with licensed private mortgage brokers in the following countries:
ad hoc Relationships:
How to contact a quality managed, licensed private mortgage broker:
All licensed mortgage brokers are experts in the field of private mortgage investing and are members of PrivateMortgagees.com, the organization of Accredited Class® private mortgage investors.
Within our Jurisdictions-of-Interest; when investing in a credit instrument anywhere, in any jurisdiction always use a lawyer who is licensed to practice in your jurisdiction-of-interest.
Australian Securities and Investments Commission
Department of Finance
Most provinces or territories have there own regulatory body
FCA Financial Conduct Authority
Principal Federal Authority:
U.S. Department of the Treasury
There are other federal authorities that have an input
Most states have there own regulatory body
HOW: How to Invest Your Money
If Quality in your Investment Activity is important to you: MortgageQuote Canada Corp. (MQCC) is your only Globally Trusted Advisor
As explained at our MQCC investor-lenders page, direct private lending secured by real estate is hundreds of years old however as with all investments, you need professional guidance. As explained on page 1 of our company website, MortgageQuote Canada Corp. is the world leader in certified statutory, regulatory and process compliant financial services. We have pioneered safeguards in accordance with the National Standard for Quality Management of over 119 countries, to enable our MortgageQuote investors to generate above average returns with zero comparative public market volatility. And sleep well at night.
Since 2008, no other Canadian Bank, Financial Institution, Lender, Fiduciary and Non-Fiduciary Investment Advisor/Broker and FinTech is able to make this claim. As a consumer, investor, regulator or stakeholder in Canada's finance sector, given today's market conditions in the finance sector, we trust you agree that it's a claim worth making.
- Contact MQCC today: firstname.lastname@example.org
Non-Registered Investment Funds
Free trading cash; any fund that is not subject to Canada Revenue Agency authority.
Registered Investment Funds
What are Registered Funds? According to Canada Revenue Agency (CRA):
"An RRSP (Registered Retirement Savings Plan) is a retirement savings plan that you establish, that we register, and to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax.
Any income you earn in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan." Source.
Visit the MortgageQuote.ca www.mortgageRSP.com page
Captive Investment Corporation
CIC vs MIC
The way to deploy your money is to retain the services of a trust company; who holds your cash in an SDRSP in trust for you, until you decide to loan money on a private mortgage opportunity.
Please see your tax lawyer, accountant or other professional for details.
MortgageQuote will arrange all your requirements (in association with your legal counsel, if need be).
email underwriting[at]mortgagequote.ca for details.
Get Started Now
How do you get started?
It's easy to get started but please remember something, as in all things in life, you simply can't start something new and expect to know everything in one day. Further, learning new skills and doing things in a new way does not come without cost; cost in terms of time and money.
For those of you who are already well-versed in private equity mortgage lending, many of these concepts may already be know by you however MortgageQuote is famous for providing it's stakeholders (applicants, borrowers, investor-lenders, brokers) a QualitySafeTM ecosystem within which to work, so it is critically important that no matter your level of experience and expertise, we require that you adhere to the MortgageQuote systematic approach.
Go to the MortgageQuote Academy (academy.mortgagequote.ca) and signup to take the requisite courses including but not limited to:
Introduction to Canada Private Equity Mortgage (PEM) Industry (MQCC-1000)
PEMI® Investor-Lender Self-Assessment (MQCC-1020)
See if you are both interested and qualify to open an investor-lender account with MortageQuote. Register, pay your registration fee and get started to receive private equity mortgage investment opportunities.
We will guide you through the process.
Reap the benefits.
PLANNING & MANAGING WEALTH
Estate Planning & Management
For your children, your extended family, a charitable purpose: pay it forward.
- Succession Planning
- Wealth Distribution including: Charitable Donations, Foundation Creation, Planned Giving
- Preservation Strategies: Creditor Protection, Wealth Protection
Offshore Investment & Asset Management
- Is going offshore a good strategy for you?
- Preferred countries/domiciles for your situation
- Onshore, Offshore, Inter vivos and Testamentary
Economic Immigration, Multiple Citizenship
- Full service consulting on economic immigration and multiple citizenship programs, worldwide.
Visit www.economigrant.com to for general information.
SOURCE: PEMX: Industry Education - Used with permission.
CONSERVING & MAINTAINING WEALTH
Quality Management & Business Continuity Systems
- ISO 9001 Quality Management
- ISO 22301 Business Continuity Management
Quality Management & Business Continuity Systems
All organizations that operate over the long term whether they are a family business, a family trust, public company or non-government organization or government organization, owe their success to established organizational systems including: policies & procedures and quality management systems. Without either, you will end up with an organization that operates without guidelines and is subject to unpredictable outcomes. Unpredictability is a lack of operational stability and poor operational stability will at almost all times, result in losses or organizational collapse. For these reasons, we recommend that our clients look at operating their organizations (businesses (family owned or otherwise), foundations, or trusts, in a manner that includes a quality management system and business continuity management system. At MyMortgageInvestments.com, we apply the principals of ISO. ISO (International Organization for Standardization) is a Switzerland based "developer of voluntary International Standards". These standards help organizations become "more efficient and effective" for the long term (www.iso.org).
ISO 9001 Quality Management
Ensures an organisation has implemented a management system to ensure that "it does what it says and it says what it does". This functional approach ensures that an organization's goals are met for the long term by maintaining day-to-day practices that reduce errors and omissions: the most common cause of failure.
An organization "needs to demonstrate its ability to consistently provide product that meets customer and applicable statutory and regulatory requirements, and
aims to enhance customer satisfaction through the effective application of the system, including processes for continual improvement of the system and the assurance of conformity to customer and applicable statutory and regulatory requirements.
All requirements of ISO 9001:2015 are generic and are intended to be applicable to all organizations, regardless of type, size and product provided."
ISO 22301 Business Continuity Management
Ensures an organization has process in place to ensure its operational integrity during times of crisis so that it flourishes into the future.
An organization needs "to plan, establish, implement, operate, monitor, review, maintain and continually improve a documented management system to protect against, reduce the likelihood of occurrence, prepare for, respond to, and recover from disruptive incidents when they arise.
The requirements specified in ISO 22301:2012 are generic and intended to be applicable to all organizations, or parts thereof, regardless of type, size and nature of the organization. The extent of application of these requirements depends on the organization's operating environment and complexity."
Integrated design, implementation and management of quality and business operating systems
We believe in the principals of quality management strongly enough that we too are ISO 9001:2008 registered (www.mortgagequote.ca). With this experience, we are able to help your organization establish similar processes to ensure you are set for multi-generational existence.
Mortgage Investor's Dashboard (PEMX® Terminal)
The Mortgage Investor's Dashboard is a fully integrated, cloud based Mortgage Origination & Investment Administration System.
- track your applicants
- current and past borrowers
- title companies
- inspectors -
- unsigned and signed origination and security and registration documents
- administer files based upon status: Active, Inactive, Default, Enforcement
- manage files based upon stage: origination, underwriting, collections, disbursement, redemption
All in one central location.
This easy-to-use system enables you to manage and control your mortgage investments from anywhere in the world.
Contact us to learn more
Investor Log In
To log in and view your private mortgage investment(s), ask your Business Development Officer for your login credentials or email underwriting [at]mortgagequote.ca for support.
STEP 1: Login
If you have your login credentials, first login via google sign-in page here, then go to next step, below.
Cannot Sign-In? Forgot your Username or Password? Click here for detailed instructions including a step-by-step guide.
STEP 2: Go to Mortgage Investor Dashboard
Google Chrome or Mozilla Firefox are the preferred web browsers.