Mortgage Income
Fund Trust
gated or missed a
distribution since inception.
The underlying philosophy of the Mortgage Fund is to invest in well located assets with quality sponsorships, and it’s what keeps us successful. Our diversified asset mix is strategically located in major urban markets in and around the Greater Toronto Area, ensuring robust growth potential. We combine industry expertise with technical know-how to deliver superior advice and execution, while our strong brand name provides credibility with stakeholders.
For Investors
Connect with Our Team
The Clifton Blake Mortgage Income Fund Trust (CBMIFT) offers accredited investors short-duration financing for commercial and multi-residential projects in the Greater Toronto Area and southern Ontario. We prioritize first-position mortgages to ensure low-risk, high-quality returns, focusing on capital preservation and sustainable growth.
CBMIFT maintains a track record of zero losses and consistent distributions by adhering to strict investment principles and governance. Our experienced management team leverages market expertise to identify high-quality properties needing short-term financing, adding value while mitigating risk through portfolio diversification.
Our conservative risk profile delivers stable returns with monthly cash flow and quarterly redemptions, supported by rigorous underwriting and borrower assessments. Investing in CBMIFT provides access to the dynamic growth of the GTA and southern Ontario real estate markets, with efficient cash flow management to capitalize on opportunities.
Executive Summary
Clifton Blake Mortgage Income Fund Trust (CBMIFT) is a prominent and reliable provider of short-duration financing for commercial and multi-residential real estate projects in the Greater Toronto Area and key urban markets throughout southern Ontario. With an unwavering commitment to maintaining a conservative risk profile, CBMIFT has established a solid reputation for delivering consistent returns to its investors.
Since the fund’s inception, CBMIFT has achieved remarkable success by adhering to strict investment principles and robust governance practices. This disciplined approach is reflected in the fund’s impressive track record, which includes zero losses, no instances of gating, and stable year-over-year distributions to investors. CBMIFT’s commitment to strong governance and risk management has made it an attractive opportunity for those seeking exposure to a fixed income real estate investment.
Management has demonstrated repeated success in identifying high quality commercial and multi-residential real estate properties that require short-term project financing in order to add value, while focusing on maintaining a diverse portfolio of experienced and capitalized borrowers to mitigate risk. By leveraging its deep market knowledge and experience, Clifton Blake has built a strong network of industry relationships and developed an acute understanding of the local real estate landscape.
Investing in Clifton Blake Mortgage Income Fund Trust offers an opportunity to participate in the dynamic growth of the Greater Toronto Area and southern Ontario’s real estate markets, with the assurance of a conservative risk profile and a commitment to delivering stable returns. CBMIFT’s history of success, coupled with its stringent governance and risk management practices, makes it an ideal choice for investors seeking a dependable source of income.
Mortgage Fund
Snapshot
LIRA ELIGIBLE
Our objective is the preservation of capital and achieving long-term sustainable growth by generating consistent returns, optimizing income, and avoiding excess risk for our investors. The fund has never been gated or missed a distribution since inception.
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loan-to-value (LTV)
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target paid monthly
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end return
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investment
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investment with
an advisor
Objective
Achieving stable, above-average returns for short-term secured investments.
Approach
Conservative risk profile with a focus on strong governance and risk management.
Outcome
Enhanced returns by investing in short-term bridge loans on assets in major urban areas.
For Investors
Connect with Our Team
Our team includes former ‘Schedule A’ bankers who have developed a credit underwriting and risk rating model which guide the careful selection of mortgages for our portfolio. Highly selective, the team exercises proven lending practices based on careful risk management. Every mortgage has undergone our own strict underwriting, and we leave no stone unturned in conducting rigorous backgrounds checks on borrowers.
We offer quarterly redemption and consistent cash flow distributed monthly for our investors. We have access to a line of credit at favourable rates, which allows us to manage cash flow, allow for contingencies and respond to opportunities.
Focus Areas
Short-duration financing for commercial and multi-residential projects. Investing in short-term bridge loans on quality assets in major urban areas.
Strong Risk Mitigation
Emphasis on 1st mortgages with a history of selecting deals featuring both strong borrower and asset characteristics. Regional focus in areas where real estate assets are always liquid.
Diversification
Balanced portfolio across various asset types and geographical locations to minimize sector-specific risks. Short duration allows management to quickly rebalance the portfolio in response to market dynamics.
Proactive Management
Continuous market monitoring and adaptive strategies allow us to respond effectively to changing conditions. We track key performance indicators to align with our investment goals and provide transparent reporting to investors.
Why Invest in a
Mortgage Fund
Growing Market Trend
Canadians are increasingly seeking non-bank lenders; the landscape of the lending market has a growing market share with qualified borrowers available.
Stability in a
Dynamic Market
The Clifton Blake Mortgage Fund offers a stable investment option in an unpredictable financial landscape.
Regular Monthly Income
Enhanced returns by investing in short-term bridge loans on assets in major urban areas.
Multiple Asset Classes
The Clifton Blake Mortgage Income Fund enables investors to reap the benefits of the private lending industry involved in multiple asset classes.
RRSP
Contributions
Contributions to your RRSP are tax-deductible, providing immediate tax savings. Additionally, income generated within your RRSP is tax-sheltered until withdrawal, allowing returns to compound tax-free.
Advanced Technology
AI Technology is used to enhance asset selection and ongoing monitoring to ensure optimal performance and risk management for the Fund.
Approach
| Class | Stated Rate | 1-Year Return | 3-Year Return | 5-Year Return | Since Inception |
|---|---|---|---|---|---|
| Class A Cash | 7.25% | 9.51% | 8.61% | 8.28% | 8% |
| Class A DRIP | 7.25% | 9.76% | 9.44% | 9.74% | 10.65% |
Clifton Blake’s Mortgage Fund has delivered a bonus every year, the bonus for 2023 paid in January 2024 was 3.7 times the normal monthly distribution!
9.5%
2023 Annual Return
3.7X
Additional Monthly Return
Bonus
* Note: All figures as of November 2024.
2X
$1,060,913
112%
$500,000
| Index | 1-Year Total Return |
3-Year Total Return |
5-Year Total Return |
|---|---|---|---|
| Clifton Blake Mortgage Income Fund Trust (DRIP)* | 9.76% | 9.44% | 9.74% |
| iShares Core Canadian Short Term Bond Index ETF (XSB) | 3.43% | 0.16% | 1.25% |
| iShares Core Canadian Universe Bond Index ETF (XBB) | 2.05% | -1.60% | 0.19% |
| iShares iBoxx $ High Yield Corporate Bond ETF (HYG) | 9.85% | 1.40% | 3.05% |
| Average LTV | 55.8% |
| Average Term to Maturity | 9.16 Months |
| Distribution | 7.25% Annually, Paid Monthly |
| Redemption | Quarterly* |