First Circle Mortgage Investment Corporation (FC MIC) provides the opportunity to invest in a diversified and highly secured mortgage portfolio via a single investment fund. FC MIC is professionally managed by First Circle Financial.

First Circle Financial has a long and successful track record of delivering attractive investor returns while maintaining a conservative risk appetite. Our prudent mortgage underwriting and efficient management have guided us through recessions, market corrections, and ultra-low interest rate environments since our inception in 1991.

Investor Login

Performance *

First Circle has delivered consistent returns to our investors. Investor returns have ranged from 6.4% to 12.8% every year since inception.

$100,000 invested at First Circle’s inception would be worth more than $1.8 million today. Our high yields and low volatility compare favourably with the S&P/TSX index over the same period.

Our disciplined approach to maintaining a diversified and secure portfolio has produced attractive investor returns with relatively low credit risk exposure.

* Past performance does not indicate or guarantee future results. All data is as of December 31, 2023 unless otherwise noted.

Business Model

FC MIC utilizes capital from investors and debt from banks to make real estate-secured mortgage loans to borrowers. FC MIC earns income on these mortgages and distributes all profits back to investors via monthly dividends.

First Circle Financial has managed similar mortgage portfolios since 1991 and established FC MIC as our flagship fund in 2005.

Our diversified mortgage portfolio is focused primarily on residential mortgages located in southwestern BC.

Management, Governance & Compliance

Fund Details

Additional Resources

How to invest / contact us

Please contact us with any questions regarding how to invest or about your existing investments



Bruno Babuch


Get in touch with First Circle Financial

If you are a mortgage broker interested in straightforward mortgage solutions or an investor looking for reliable returns and peace of mind, we would love to speak with you!

Contact Number

(604) 986-3200

Mortgage Inquiries

[email protected]

Investment Inquiries

[email protected]
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