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Our story

FSI Financial is a mutual fund trust company servicing a specific area of the mortgage market in Canada as an alternative lender. FSI Financial offers Canadians many different mortgage products to suit almost any financial situation. Our expertise is to service a specific segment of the Canadian marketplace: clients who do not have typical credit histories and whose specific needs are not addressed by the major financial institutions. Self-employed entrepreneurs are welcomed, people with bruised credit, newcomers to the country and borrowers with various amounts of equity in their property who do not qualify because of an inability to prove income.
FSI Financial is focused on helping the underserviced portion of the mortgage market. From helping you to purchase your first home, or to guide you through the process to consolidate your higher-interest loans and credit cards or renovate your dream house, we have the flexible alternative solutions to get you to your goals.

Our story

FSI Financial is a mutual fund trust company servicing a specific area of the mortgage market in Canada as an alternative lender. FSI Financial offers Canadians many different mortgage products to suit almost any financial situation. Our expertise is to service a specific segment of the Canadian marketplace: clients who do not have typical credit histories and whose specific needs are not addressed by the major financial institutions. Self-employed entrepreneurs are welcomed, people with bruised credit, newcomers to the country and borrowers with various amounts of equity in their property who do not qualify because of an inability to prove income.
FSI Financial is focused on helping the underserviced portion of the mortgage market. From helping you to purchase your first home, or to guide you through the process to consolidate your higher-interest loans and credit cards or renovate your dream house, we have the flexible alternative solutions to get you to your goals.

We are responsible for all aspects of the underwriting process

FSI Mortgage Investments is responsible for all aspects of the underwriting process. We begin our loan analysis by reviewing and scrutinizing the applicants behind every mortgage through an extensive qualification process. After carefully reviewing the applicant’s financial capacity, we appraise the property and evaluate the risk exposure in addition to the yield potential.

We are a significant investor in our own FSI portfolio

The operator and manager of the FSI Asset Fund is a significant investor in the FSI. Being heavily invested in the FSI’s portfolio results in the management being highly motivated to achieve strong investment returns through active and prudent management ensuring a strong and sustainable performance of the FSI.

Investment Strategy

The FSI focuses filling a gap within the marketplace. Recently banks have began tightening their lending practices which creates an opportunity for alternative lenders like the FSI to provide a valuable service to borrowers.

FSI team of lending experts manage a well-diversified mortgage pool with the mandate to provide capital preservation while offering a strong return. Those who invest in the FSI gain access to a pool of well-diversified mortgages in the stable residential real estate markets. Our strategy for the fund consists of lending short-term mortgages and providing intelligent lending solutions to borrowers who do not qualify for traditional bank financing.

To our borrowers, we offer flexibility, creativity, and excellent service. Our mortgages are secured by all types of residential, multi-residential and commercial real estate located in Canada with a primary focus on Ontario, and must all be in strict compliance with our investment policies. The mortgage portfolio primarily consists of a broad mix of low, medium, and high yield first and second mortgages.

Deals by location

First mortgage business has more than doubled in the last 5 years while still producing a great overall yield for our investors.

Security position

We currently average a 60% Loan to value (LTV) on individual mortgages. 

Security position

We currently average a 63% Loan to value (LTV) on individual mortgages. We use state-of-the-art data encryption when handling your financial information and two-factor authentication (2FA) protection.

Deals by location

First mortgage business has more than doubled in the last 5 years while still producing a great overall yield for our investors. Minimum investment of $10,000.

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