As a licensed mortgage agent, my responsibility is not only to secure the best mortgage solutions for my clients—but also to explain why a particular lender is the right fit for their unique financial profile. That’s why I want to introduce you to a lender you may not be familiar with: Ginkgo Mortgage Investment Corporation (Ginkgo MIC).
This isn’t your typical bank or credit union. Ginkgo is an alternative lender with a laser focus on flexibility, speed, and personalized solutions—qualities that are often crucial when conventional lending paths fall short. Let me walk you through who they are, what makes them different, and why some clients are finding Ginkgo to be the key that unlocks homeownership or real estate opportunity when others say no.
Three Powerful Reasons to Choose Ginkgo MIC
Who Is an Ideal Client for Ginkgo?
Who Is Ginkgo MIC?
Founded in 2011, Ginkgo MIC is a national, alternative mortgage lender with over $150 million in assets under management. The company operates as a Mortgage Investment Corporation (MIC)—a structure that pools investor capital to fund private mortgages secured by Canadian real estate. This model offers investors reliable income and offers borrowers a valuable alternative to traditional bank financing.
What does that imply for you as a borrower? It means Ginkgo is not beholden to the same rigid guidelines and credit scoring models that many A or B lenders use. Instead, they’re a “common-sense lender”—willing to listen to your story, assess your real estate asset, and structure a solution that fits your life.
Three Powerful Reasons to Choose Ginkgo MIC
When exploring alternative mortgage financing, it’s essential to look beyond just the interest rate and consider the lender’s overall approach to service, flexibility, and integrity. Ginkgo Mortgage Investment Corporation (Ginkgo MIC) distinguishes itself through a client-focused model that prioritizes speed, adaptability, and transparency. Whether you’re navigating a tight closing timeline, dealing with non-traditional income, or simply looking for a lender who communicates clearly and delivers on their commitments, Ginkgo offers a compelling solution. Here are three reasons why borrowers and brokers alike trust Ginkgo when traditional lenders fall short.
- Speed and Simplicity
- Flexible Lending Solutions
- Transparency and Trust
Speed and Simplicity
In real estate, timing is everything. Ginkgo’s process is built for efficiency, with approvals typically within 4 hours and funding possible in as little as 48 hours. Their proprietary Deal Tracker app allows both clients and brokers to monitor the file in real time—no guessing, no waiting.
Flexible Lending Solutions
Ginkgo offers a broad range of lending products including:
- First and second mortgages (up to 80% LTV)
- Bridge financing (up to 85% LTV)
- Non-resident mortgages
- Mixed-use and multi-residential property financing
They accommodate unique situations like:
- Self-employed income
- Credit challenges
- Beacon score rejections
- New-to-Canada borrowers
- Urgent closing timelines
Their “One Charge Bundle” eliminates the double legal and appraisal costs often found with other private lenders—making them one of the most cost-efficient private lenders in the market.
Transparency and Trust
Unlike some private lenders who embed hidden costs, Ginkgo is clear about fees from the outset. Their commitment to openness means no surprise charges and a genuine focus on building long-term relationships. They also offer fully open mortgage terms, rate/fee flexibility, and even prepaid interest reserves to help clients in cash flow-sensitive situations.
Who Is an Ideal Client for Ginkgo?
Not every borrower fits neatly into the A or B lending category. Ginkgo MIC is ideal for clients who:
- Are newly self-employed and lack traditional income documentation
- Have bruised credit or recent collections
- Are purchasing or refinancing under tight timelines
- Need temporary financing and have a clear exit strategy
- Are new Canadians with little credit history
- Require bridge financing but have equity in their current home
If you’ve been declined by a bank or are navigating a unique situation, Ginkgo can often say “yes” when others say “no.”
Why Ginkgo Stands Apart
Ginkgo’s tagline—“Fast, Friendly, Flexible”—is more than just marketing. It’s embedded into their operations. Their underwriters (called Solution Advisors) go beyond the numbers to understand the deal’s full picture. They routinely recommend more cost-effective options for borrowers, even if it means less revenue for Ginkgo. That’s rare.
They also invest heavily in broker relationships, offering a unique loyalty program with financial rewards, fee discounts, trailer commissions, and even vacations for consistent partners. This commitment to long-term relationships—with both brokers and borrowers—cements their position as a standout in Canada’s private lending landscape.
My Final Thoughts
Choosing the right lender isn’t just about the rate—it’s about flexibility, trust, and timing. Whether you’re buying your first home, accessing equity, or navigating a credit rebuild, Ginkgo MIC may be the bridge that gets you to your next chapter. As your mortgage agent, I take pride in introducing you to reliable partners like Ginkgo who can open doors—even when the big banks can’t.
If you think Ginkgo might be a fit for your needs, let’s schedule a time to review your scenario and explore your options.
