Cooper Pacific is committed to helping our clients and community prosper by creating diversified portfolios and providing expertise on many different mortgage investment opportunities, including qualified first and second mortgage loans.
Get StartedCooper Pacific offers multiple mortgage investment opportunities; giving you the option of investing in a diversified portfolio of qualified first or second mortgage loans.
The Cooper Pacific First Mortgage Investment Corporation is a suitable option for conservative investors who prefer to invest in first mortgages only.
Our Blended Mortgage Investment opportunity includes a mix of both first and second mortgages, which provides a balanced portfolio option for investors.
Our second mortgage options offer investors a higher rate of return where they can invest primarily in second mortgages.
EMD Services provided by Cooper Pacific Financial Services Corporation
Exempt Market Dealers are exempt market securities dealers registered under provincial securities legislation in one or more jurisdictions in Canada. The regulatory framework for EMDs is set out in National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations which applies in every jurisdiction across Canada.
In 2009, the Canadian Securities Administrator enacted National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations (“NI 31-103”), creating an investment dealer category called an Exempt Market Dealer (EMD), which would be allowed to trade in prospectus-exempt securities. Under NI 31-103, an EMD must be registered in the province or provinces where they perform dealing activities. Further, NI 31-103 set out fundamental obligations registrants must adhere to including know their investments (often shortened to KYP – Know Your Product), know their clients (KYC – Know Your Clients), suitability and maintain appropriate industry knowledge and proficiencies. These fundamental obligations of registrants include the activities of the EMD and the EMD’s Dealing Representatives.
For Cooper Pacific Financial Services Corporation, we are registered in Alberta and British Columbia as an Exempt Market Dealer and our Dealing Representatives is accordingly registered in their respective jurisdictions.
More information on EMDs and their regulatory obligations can be found at your local Securities Regulatory Authority, the National Exempt Market Association, or the Private Capital Market Association of Canada. Whether you’re investing in public stocks, mutual funds or private capital, you have rights as an investor.
“My company has had a business relationship with Cooper Pacific since 1994 and I am impressed with the quality of the projects that they finance. Interest payments arrive monthly with a detailed statement. I shall continue to invest with Cooper Pacific and have no hesitation in recommending them.”
“I rely on Cooper Pacific to make the decisions on where the investments are made. They are a very stable company and I trust and have faith in their ability.”
“Cooper Pacific has shown a willingness to be open and direct in their communication. Information is always forthcoming and given in a timely manner. The communication is there, and they’ve always made it clear that if you have any questions or concerns they are only a phone call away. We can walk in, phone in, email in. They are not afraid of the hard questions…At the end of the day, I could see my money working in the community. And I could also see my money working for me. I kind of felt that getting the updates from Cooper Pacific made me feel like I had just been to a board meeting and these were the minutes. They made me feel that I was part of the company and part of the investments. They personalized it.”
“As a first time investor with Cooper Pacific during calendar year 2017, I have found their entire team to excel at being responsive to a customer’s questions on how their offering of mortgage investments are structured. They have been transparent as to how the monthly mechanics of the yield calculations work and their interest payments have been completed on time each month in accordance with the investment terms. In my view they offer a good mix of risk versus yield products at attractive rates. They have been willing to discuss how they address an investor’s concerns on balancing their lending evaluations especially in the current robust real estate development markets.”
“We have been investors with Cooper Pacific for approximately 25 years. Our dealings with all the staff have always been very cordial and professional. In particular, we have never had any problems with communication when we have had questions or concerns. As we are in our retirement years we are very careful regarding our investments and have been very comfortable with the investment strategies carried on by Cooper Pacific on our behalf.”
What is a Mortgage Investment Corporation?
Our MIC’s pay 100% of their net income in the form of dividends, which are treated by CRA as interest in the hands of our shareholders. The Income Tax Act also requires that a minimum of 50% of our capital be invested in mortgages secured by residential property. Your investment with Cooper Pacific is a qualified investment for RRSP, RRIF, LIRA and TFSA purposes.
As an investor, you can achieve a higher average rate of return by opting for stock dividends versus cash dividends. When stock dividends are reinvested into the MIC, your overall investment increases exponentially thanks to the compound interest effect.
“Compound interest is the eighth wonder of the world. He who understands it, earns it… he who doesn’t, pays it.”-
Albert Einstein
Here is an example of how the compound interest effect of stock dividends vs. cash dividends plays out over a 5 year period
In this example, stock dividends earned 16% more than cash dividends over 5 years.
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Since 1994, Cooper Pacific Mortgage Investment Corporation has been helping communities and investors across Western Canada grow and prosper. As real estate experts, our goal is to offer investors outstanding mortgage investment opportunities with an attractive rate of return. We do this by offering short-term construction financing and interim mortgage funding to help builders and developers take projects from planning to completion.