Ginkgo Mortgage Investment Corporation
Toronto-based mortgage investment corporation, established in 2011, offering equity-focused private first and second mortgages through the mortgage broker channel, with lending concentrated in Ontario urban centres. Serves borrowers who fall outside conventional bank lending criteria. It lends Ontario.
Prepayment-penalty method
Standard penalty (about three months' interest)
Breaking early is penalized at roughly three months' interest, an open-style penalty that is generally on the lower, more predictable end.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Buying a home
- Refinancing
Rate types
- Fixed rates
Where it lends
Ontario
Good to know
- Broker-only: applications come through licensed mortgage brokers.
- Private/MIC lending: higher rates plus typical lender and broker fees.
- Ontario-focused lending.
How to reach Ginkgo Mortgage Investment Corporation
Available only through a licensed mortgage broker, not directly to the public. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit Ginkgo Mortgage Investment CorporationEducational summary; rates, terms, and approval are set by the lender.
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Other mic & private lenders
Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.