Mortgage Investment
Wise Stable Ideal  Wealth Growth

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Quarterly Dividends

Regular dividends are distributed quarterly, providing you with stable, legal local income in Canada to ensure your financial security.

Annual Audit

Amber MIC undergoes an annual audit conducted by one of the world’s four major auditing firms, KPMG. Investors can refer to our annual audit report at any time.

Property Collateral

Each of our loan investments is secured by real estate properties in the core areas of Toronto and Vancouver.

About Us

Amber Mortgage Investment

With Integrity, into the Future.

Amber Mortgage Investment Corp. (referred to as “Amber MIC”) is a financial institution chartered under the Canadian Income Tax Act, providing first and second mortgage loan services to individuals and commercial borrowers. The collateral for mortgage loans is real estate located within Canada, including single-family homes, apartments, townhouses, multi-unit residences, retail spaces, offices, industrial properties, and real estate development projects.

Amber Financial Services Corp. (referred to as “Amber”) is the management company for Amber MIC. Amber Financial Services Corp. is a leading innovative financial services and mortgage brokerage company, connecting with over 30 financial institutions in Canada. Leveraging platform resources, it offers borrowers flexible and reasonable mortgage loan solutions and consumer loan options.

Amber Financial and Amber MIC are committed to providing borrowers with fast and flexible loan services and offering investors high-yield, stable investment opportunities.


Total assets under management


Total cumulative dividends


Annualized compound interest rate for 7 consecutive years

Data as of Jun 30, 2024

Stability, Growth

Unique Advantages

Investment Highlights


Expected Return on Investment

The majority of Amber's mortgage borrowers have mortgage interest rates ranging from 9% to 12%. Our goal is to provide investors with an average return exceeding 8% after deducting costs.*


Maximizing Profits

As part of our business model, Amber MIC will distribute all net income to investors, with such distributions expected on a quarterly basis.

Secure and Stable

Each and every mortgage is secured by Canadian properties, primarily high-liquidity properties in prime locations of central cities. Borrowers must have a clear and feasible exit plan to ensure repayment fund sources.

High Transparency

Amber MIC ensures that investors are regularly informed about their investment status. Dividends and investment reports are released quarterly, and investors receive audited financial reports annually.

Continuous Cash Flow

Quarterly dividends from stable, regular, and legally sourced Canadian income.

Open to Non-Canadian Residents

Both Canadian and non-Canadian companies and residents can make investments.

Registered Accounts Welcome

Investments are welcome in RRSP (Registered Retirement Savings Plan) and TFSA (Tax-Free Savings Account) accounts.
Investment Portfolio Highlights

Transparent, reliable & stable

Amber manages a diverse portfolio of mortgage loans, and this diversified portfolio helps reduce investment risk. MIC investors can participate in the real estate market by purchasing preferred shares without having to purchase the property themselves, thus achieving higher investment liquidity. In addition, MIC’s transparent tax policy also enables investors to enjoy preferential tax treatment.

Our Projects

Learn about our projects, unlock your financial opportunities

Amber’s mortgage investment portfolio encompasses various property types, including apartments, detached houses, townhouses, land, multi-unit residences, and other commercial properties. Our collateral assets are primarily located in key areas of Greater Vancouver and the Greater Toronto Area. This diversified portfolio includes both first and second mortgage loans.

The diversity of our portfolio enables us to effectively manage market risks. The precise control of loan diversification and loan-to-value ratios provides robust stability to Amber’s funding pool, significantly enhancing Amber MIC’s ability to respond to market fluctuations. This multi-layered diversification not only aids in risk mitigation but also maximizes investment returns to the greatest extent possible.

June 2024

Residential: $2.2M

$2,200,000 inter-alia 2nd mortgage over two single-family homes in Burnaby and Richmond. 65% LTV, priced at 10.95%, funded in June 2024 for equity takeout.
June 2024

Residential: $250K

$250,000 2nd mortgage over an apartment unit in Vancouver. 48% LTV, priced at 10.50%, funded in June 2024 for equity takeout.
June 2024

Residential: $750K

$750,000 2nd mortgage to complete the construction of a single-family home in West Vancouver. 44% LTV, priced at 11.00%, funded in June 2024.
May 2024

Residential: $7.1M

$7,100,000 inter-alia 1st mortgage over two single-family homes in West Vancouver and Richmond. 74% LTV, priced at 10.64%, funded in November 2023 and May 2024 for refinancing and equity takeout.
May 2024

Residential: $1.5M

$1,500,000 2nd mortgage over a single-family home in Richmond. 68% LTV, priced at 10.50%, funded in May 2024 for equity takeout.
April 2024

Residential: $250K

$250,000 2nd mortgage to support the purchase of a high-rise apartment unit in Burnaby. 65% LTV, priced at 11.00%, funded in April 2024.
April 2024

Commercial: $4.5M

$4,500,000 1st bridge financing to develop 15 townhouse units in North Vancouver. 55% LTV, priced at 11.50%, funded in April 2024.
March 2024

Residential: $1.5M

$1,500,000 1st mortgage to support the purchase of a single-family home in North Vancouver. 65% LTV, priced at 10.25%, funded in March 2024.
Our Team

Licensed Investment Advisor

Our team members bring diverse backgrounds and rich experiences, infusing the company with vibrant energy. Our core values, including professional excellence, customer-centricity, innovation drive, and transparent integrity, form the robust foundation of our success. Amber Financial consistently upholds these values, integrating them into our work and interactions with clients, guiding us to achieve one outstanding accomplishment after another. On the journey to realizing your financial goals, our mortgage agents stand alongside you with a commitment to professionalism and rigorous service.