Ginkgo Mortgage Investment Corporation
Managed by Ginkgo Mortgage Investment Corporation
Data as of: May 31, 2026 · View latest fund facts
This review is compiled by WOWA for informational purposes only and is not investment advice, an offer, or a solicitation. Figures are drawn from the manager's published materials as of the dates shown and may change. Returns are historical and do not guarantee future results. Verify all details with the manager or a licensed advisor before investing.
AUM
$195M CAD
2025 return
8.5%
LTV
65.5%
Management fee
1.5%
About Ginkgo Mortgage Investment Corporation
Ginkgo Mortgage Investment Corporation ("Ginkgo MIC") is a Toronto-based mortgage investment corporation lending Canada-wide, with a branch in Vancouver. It invests in a diversified portfolio of primarily residential mortgages, with some commercial exposure, serving borrowers who fall outside conventional bank lending criteria. Ginkgo issues Class A participating preferred shares, pays monthly distributions with a dividend reinvestment option, and is eligible for registered accounts (RRSP, TFSA, RESP, RRIF). As of its most recent reporting, the corporation manages a mortgage portfolio of approximately $195.4 million.
The fund reports approximately $195M CAD in assets.
Most of the portfolio is in first mortgages, with some subordinate exposure.
The latest annual return declined from 9.75% in 2024 to 8.5% in 2025.
The portfolio is concentrated in Residential mortgages.
The portfolio is highly concentrated in Ontario.
At a glance
| Assets under management (AUM) | $195M CAD |
| 2025 return | 8.5% |
| Overall LTV | 65.5% |
| First mortgages (as a % of the portfolio) | 87.9% |
| Property focus | Residential (93%) / Commercial (7%) |
| Structure | Private Corporation (MIC) |
| Investor access | Available to individual investors |
Ginkgo Mortgage Investment Corporation portfolio and performance
The portfolio is composed of residential mortgages (93%) and commercial mortgages (7%).
| Property Type | Share (%) |
| Residential | 93% |
| Commercial | 7% |
Ginkgo Mortgage Investment Corporation has a focus on Ontario, with 86.6% of its mortgages located in Ontario, followed by Alberta (11.2%), MB (1.7%), BC (0.3%).
| Province/Region | Share (%) |
| Ontario | 86.6% |
| BC | 0.3% |
| Alberta | 11.2% |
| MB | 1.7% |
Ginkgo Mortgage Investment Corporation returns
| Calendar year | Net return |
| 2023 | 9.75% |
| 2024 | 9.75% |
| 2025 | 8.5% |
Ginkgo Mortgage Investment Corporation facts
Fund structure
| Structure | Private Corporation (MIC) |
| Manager | Ginkgo Mortgage Investment Corporation |
| Series | 1 |
| Latest data | May 31, 2026 |
Mortgage portfolio
| First mortgages | 87.9% |
| Overall LTV | 65.5% |
| Property focus | Residential |
| Leverage | Yes, the fund uses leverage. This means the fund borrows additional money and combines it with investor capital to fund more mortgages. Leverage can increase returns when the portfolio performs well, but it also adds interest costs and can magnify losses. |
Fees
| Management fee | 1.5% |
| Performance fee | No |
Who can invest in Ginkgo Mortgage Investment Corporation?
Available to individual investors
This fund is available to individual investors.
The minimum investment amount through an advisor or dealer is $10,000.
About Ginkgo Mortgage Investment Corporation
Ginkgo Mortgage Investment Corporation operates as an alternative mortgage lender, managing its portfolio in-house through origination and underwriting rather than outsourcing those functions. Working from a Toronto head office with a Vancouver branch, it lends nationwide and specializes in solutions for borrowers who do not meet conventional bank criteria. Its management team brings more than 50 years of combined experience across real estate and financial services. Shares are offered through registered dealers, with registered-account custody provided by Olympia Trust Company.
Frequently asked questions
It invests in residential mortgages.
The fund reports a weighted-average LTV of 65.5%.
Yes. It is available to individual investors.
The fund is managed by Ginkgo Mortgage Investment Corporation.
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