Investing for you and your community.

overview

We’re in the business of real estate lending.

Investors choose Pacifica because the results speak for themselves. Decades of disciplined lending have translated into consistent performance through various market conditions.

Here, we share the details behind our approach so you can see the principles and results that have guided investors with Pacifica for many years. The goal is simple: clarity, confidence, and peace of mind.

$270m

Pacifica’s portfolio in 2025

8.32%

net return for investors for 2025

30+

years with a succesful track record

how it works

Investment Process

01. Eligibility

Pacifica investments are available to residents of British Columbia, Alberta, and Saskatchewan. Pacifica Mortgage Investment Corporation is a qualified investment for self-directed RRSP, RRIF, and TFSA accounts, as well as non-registered accounts. With a minimum investment of $25,000, you can participate in a mortgage portfolio designed to deliver stable returns.

Before proceeding, review our Offering Memorandum and Fact Sheet; they’ll help you feel confident that Pacifica is the right fit for you.

02. Suitability

Next, you’ll meet with one of our Dealing Representatives to determine which investment account is the right fit for you. They’re here to provide sound, trusted advice, answer any questions you may have, and ensure you have all the necessary documentation to make an informed decision.

This step helps confirm that Pacifica aligns with your investment goals, risk tolerance, and overall financial plan.

03. Investment & Confirmation

Once your investment has been deemed suitable, you can proceed with investing in Pacifica. Your Dealing Representative will guide you through the entire process, ensuring everything is completed accurately and efficiently.

Once your investment is accepted, you’ll receive a welcome package confirming your investment. You’ll also gain access to our Investor Portal, where you can easily view and monitor your portfolio at any time.

04. Statements & Monitoring

Congratulations, you are now an investor in Pacifica MIC. You will receive quarterly statements and updates from Pacifica, keeping you informed about your investment. Through your Investor Portal, you can monitor your portfolio, download statements, and track your progress anytime.

If you have any questions or need assistance, you can always reach out to your Dealing Representative, who is ready to provide guidance and support.

breakdown

Since inception, Pacifica has consistently outperformed alternative investment vehicles.

our management partner

Capital West Mortgage

Discover More

Capital West Mortgage Inc. is an integrated real estate finance company that provides commercial mortgage brokerage services, direct lending solutions and investment management services across Canada.

FAQs

Have any questions? We’re here to help.

If you have a question that is not listed, please feel free to drop us a line at info@pacificamortgage.ca and a member of our team will be more than happy to help.

Who does Pacifica lend to?

Pacifica lends to borrowers who are not able to qualify for conventional mortgages through banks. Typically, our borrowers seek short-term mortgages from Pacifica until they can either sell their property or refinance at a later time, once they are able to qualify with the banks. Because these are alternative mortgages, Pacifica’s rates are higher than the banks’.

What type of Lending do we do?

Pacifica invests in first and second mortgages, primarily in the Lower Mainland of Vancouver, B.C. The maximum loan-to-value is 75% and our lending policy is very conservative. Our primary investment philosophy is to preserve capital.

How often do I receive dividends?

Dividends are issued quarterly based on a November 30 year-end for Pacifica. Dividends can be paid out in cash or reinvested automatically based on each investor’s preference.

Will I receive statements?

Yes, you will receive a quarterly statement showing the balance of your investment. At the end of the year, you will receive a copy of our audited financial statements as well as a T5 statement in the early part of the following year.

Can I invest through my RRSP, RIF, or TFSA?

Yes, Pacifica is a qualified investment for self-directed RRSP, RRIF and TFSA accounts. Please contact us, and we will be able to assist you with your investment or answer any other questions you may have.

Can I invest if I don’t have an RRSP, RRIF or TFSA?

Yes, you can invest without an RRSP, RRIF or TFSA. Please contact us, and we will be able to assist you with your investment or answer any other questions you may have.

How do I redeem my investment?

Under the Offering Memorandum, you must provide 18 months’ notice to redeem your shares. Pacifica may consider requests for redemption on an earlier basis, and we do our best to accommodate these early redemption requests when feasible.

What returns can I expect on my investment?

We can only provide information on historical returns. Investor returns have been stable over the past 30 years since the inception of the fund. For the year ended Nov 30, 2024, the return was 10.02%.

How much are your management fees?

The management fees are 2% of the value of the portfolio per year plus 25% of the fees received. The returns stated above are net of all management fees.

Who manages Pacifica?

Pacifica is managed by Capital West Mortgage Inc. The management team draws upon years of expertise and experience and has successfully managed PMIC since its inception in 2001. The website for Capital West is www.capitalwest.ca

How do I invest?

Capital West Mortgage Investor Services Inc. is a registered Exempt Market Dealer effective February 1, 2020. For all new purchases in Pacifica, please contact Dealing Representatives: Sidney Rubin, Daymon Eng or Natalia Petrova.