CMI Canadian Mortgages Inc. Mortgage Lender Profile
Generally for Borrowers anywhere in Canada with damaged credit, variable income or a recent job or immigration change needing short-term financing.
Who they are
CMI Canadian Mortgages Inc. Is the private lending arm of CMI Financial Group, a Mississauga-based mortgage business founded in 2005 by Bryan Jaskolka and grown out of a family brokerage. After the credit crisis of 2008 the firm moved firmly into private lending for borrowers conventional lenders would not serve. It now runs four divisions covering mortgage origination, MIC funds, managed mortgage funds and in-house servicing, and it raises the money it lends from investors through both whole-mortgage placements and pooled funds. It reported more than one billion dollars in mortgages under administration as of December 2024.
What they lend on, and who for
CMI funds first and second mortgages, bundled first-and-second combinations, and equity and bridge mortgages, on residential, construction and commercial loan types. Typical borrowers are self-employed, recently immigrated, recently laid off, carrying compromised credit or a past bankruptcy, or earning a low or variable income. Published terms generally run from three to twelve months, with first mortgages available from three to twenty-four months, and arrangements can be customised. CMI works with mortgage brokers on the lending side, so a broker submits your file, and it accepts files from every Canadian province and territory.
How to approach CMI Canadian Mortgages Inc.
You can contact CMI Canadian Mortgages Inc. 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 |
| Trade name of | Canadian Mortgages Inc. |
| Head office | 2425 Matheson Blvd. E., 8th Floor, Mississauga, ON L4W 5K4 |
| Parent or group | CMI Financial Group |
| Website | brokers.thecmigroup.ca |
| Phone | 1-888-465-8581 |
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 CMI Canadian Mortgages Inc.
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 CMI Canadian Mortgages Inc.?
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 CMI Canadian Mortgages Inc.
Is CMI Canadian Mortgages Inc. a real mortgage lender?
Yes. CMI Canadian Mortgages Inc. is a private (mic) based in Ontario, part of CMI Financial Group. Its own site is brokers.thecmigroup.ca.
What kind of lender is CMI Canadian Mortgages Inc.?
Private — categorised in our directory as MIC/Private. 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.
Who owns CMI Canadian Mortgages Inc.?
CMI Canadian Mortgages Inc. is part of CMI Financial Group. Ownership matters mainly because it tends to determine the funding source and, on a fixed mortgage, how the break penalty is calculated.
Should I go to CMI Canadian Mortgages Inc. 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 CMI Canadian Mortgages Inc. 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 CMI Canadian Mortgages Inc. 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 CMI Canadian Mortgages Inc. 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 CMI Canadian Mortgages Inc. 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