INVESTMENT OPPORTUNITIES
Building wealth is not very complicated. Thankfully, some things never change. When it comes to building wealth and security, certain truths remain as genuine today as when your father and his father first taught them. If you work hard, do well at what you do to earn a buck, spend less than you make and save the difference, you will build wealth. That’s the secret. Following Dad’s example, you will win more often than you will lose. Period.
Most would agree that the hardest issue about building wealth is earning it in the first place. The second most difficult part is keeping it once you have it. Most wealthy people today are wealthy because they were very careful with their surplus at all points along the way. They still have it because they avoided highly speculative markets where hard-earned dollars are spent indiscriminately.
In Canada, the “get-rich-slowly” plan remains the ninth wonder. It is virtually linked to the eighth wonder – the miracle of compound interest. History has proven that the fastest and safest way to build wealth is to make steady consistent gains, reinvest profits and stay the course over the long term.
This is the essence of a First and Second Mortgage investment and the foundation of our success. Cedar Peaks Mortgage Services Ltd. Investors not only outpace inflation, they also earn excellent income without taking inappropriate risks. We are very proud of our history and track record of success. One of the most attractive benefits of owning a Mortgage investment is the opportunity to participate directly in Real Estate without the headaches associated with actually owning the Real Estate.
Your investment provides the comfort of an above average rate of return, a promise to pay from the Borrower, and the security of Real Property as the underlying asset. There are few, if any, other Investment vehicles that provide all these features.
Are you looking for an alternative to low GIC rates right now? Or are you looking for a logical place to diversify from potentially volatile markets? Why not consider the Cedar Peaks advantage?
There are few, if any, other Investment vehicles that provide all these features.
Why Choose CEDAR PEAKS MORTGAGE SERVICES LTD.?
Today’s low interest rate environment and consumer’s demand for higher returns, has resulted in an overload of information strategies and advice, creating more confusion than comfort for Investors.
Cedar Peaks Offers an Alternative.
Many people today are looking for higher rates of return than GIC’s provide, but do not want the constant ups and downs of Mutual Funds, or the volatility and fees associated with the Equity markets.
Our clients have found our investments to be more straightforward than many others while enjoying the consistent higher rates of return that we offer.
Some of the reasons why more and more Canadians are investing with Cedar Peaks:
- Short-term Mortgage security backed by Real Estate
- Interest income paid monthly or quarterly
- Low minimum investment ($25,000)
- 100% RRSP/RRIF eligible
- Relief from volatile stock markets
Isn’t it true that the very last thing you need right now is another under-performing investment?
Funding Our Mortgages
Capital funds are provided to Cedar Peaks from a group of Investors made up of individuals like yourself. The minimum capital that any one Investor may provide is $25,000, however there is no maximum limit.
Mortgage investments are 100% RRSP/RRIF eligible, provided they are in accordance with the Government Regulations in this regard.
Cedar Peaks funds its Mortgages in one of the two following manners:
- INDIVIDUAL/PARTNERSHIP MORTGAGE
Typically this format is used when an individual Investor or a small group of Investors are funding a Mortgage loan, and then registered on title as the Mortgage holders.
- JOINT VENTURE MORTGAGE LENDING
Typically, this form of Mortgage lending is utilized for larger amounts of Mortgage financing. A group of people (i.e. 4 or more) are needed to provide sufficient funds to advance one specific Mortgage. In order to simplify the Mortgage registration and administration process, each Investor would then sign a Joint Venture Agreement with the registered Mortgage holder, (i.e.) Cedar Peaks Mortgage Investments Inc.
Cedar Peaks Mortgage Investments Inc., upon receiving payments from the Mortgagor, then disburses, on a pro-rata basis, directly to the Investors the return of interest and principal as outlined in the Joint Venture Agreement. Cedar Peaks may (under some circumstances) charge a nominal management fee for the administration and accounting of these mortgages.
In either case, the rate of return to Investors will typically range between 10% and 16%, depending upon the Mortgage position, term, and Borrower.
* It is important to note that in both of the above noted forms of Mortgage lending, Cedar Peaks Mortgage Services Ltd. will perform the due diligence, including but not limited to, review of the applicants, security, repayment ability, exit strategy and risk factor, prior to making a recommendation to the individual Investors, who ultimately have the final decision in the approval process. |
