Atrium Mortgage Investment Corporation Mortgage Lender Profile
Generally for Self-employed owners, newcomers to Canada and property investors who need a short-term residential mortgage a bank will not write.
Who they are
Atrium Mortgage Investment Corporation is a Toronto-based mortgage investment corporation, founded in 2001 by Rob Goodall and listed on the Toronto Stock Exchange since 2012 under the symbol AI. It is managed externally by Canadian Mortgage Capital Corporation, a licensed Ontario mortgage brokerage, licence number 10284, whose group traces its roots to 1994. Because Atrium is publicly traded, its shares are bought on the open market rather than by private subscription, and it pays monthly dividends with a reinvestment plan available. It has offices in Toronto, Vancouver and Edmonton, and lends through mortgage brokers.
What they lend on, and who for
Atrium writes both residential and commercial mortgages, and states that it works through licensed mortgage brokers, so a broker submits your file rather than you applying directly. On the residential side it offers first and second mortgages on single-family homes, townhomes, condominiums, small multi-residential buildings of up to six units, investment properties, and new or pre-construction housing, on one-year terms. Typical borrowers are self-employed people with strong cash flow but limited income documentation, newcomers to Canada, and investors who have hit the limits of conventional lending. A separate commercial group handles larger, more complex transactions.
How to approach Atrium Mortgage Investment Corporation
You can contact Atrium Mortgage Investment Corporation yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC · Listed TSX: AI |
| Registered as | Atrium Mortgage Investment Corporation |
| Head office | 18 King Street East, Suite 1010, Toronto, ON M5C 1C4 |
| Website | atriummic.com |
| Phone | 416-867-1053 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Atrium Mortgage Investment Corporation
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Atrium Mortgage Investment Corporation?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Atrium Mortgage Investment Corporation
Is Atrium Mortgage Investment Corporation a real mortgage lender?
Yes. Atrium Mortgage Investment Corporation is a private (mic, listed tsx: ai) based in Ontario. Its own site is atriummic.com.
What kind of lender is Atrium Mortgage Investment Corporation?
Private — categorised in our directory as MIC (TSX: AI). Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Atrium Mortgage Investment Corporation directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Atrium Mortgage Investment Corporation regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Atrium Mortgage Investment Corporation approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Atrium Mortgage Investment Corporation lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Atrium Mortgage Investment Corporation take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file