Headquarters:
243 Consumers Road, Unit 203, Toronto, ON M2J 4W8
Year founded:
2011
Number of employees:
17
Phone:
416 901 5133
Email:
support@ginkgomic.com
Website:
ginkgomic.com
LinkedIn:
ca.linkedin.com/company/ginkgomic
“Fast, Friendly, and Flexible’ isn’t just our slogan – it’s a core principle that drives every decision we make”
Henry Tse,
Ginkgo MIC
Henry Tse, CPA, CA, MBA, CFP, AMP, CHS, CLU
Chief Executive Officer
Elaine Mak
Director, Investor Relations
William Cheung
Director, Solution Advisory
Leadership
Henry Tse, CEO of Ginkgo MIC, is committed to the company’s success. He holds an MBA from McMaster University and a Chartered Accountant designation, earned after advancing to audit manager at Ernst & Young. Tse founded his own public accounting practice and further honed his expertise as CFO of three TSX Venture Exchange companies. With over 20 years of experience in real estate investment and private mortgages, he brings deep industry knowledge that ensures careful investment protection through strategic analysis of industry and economic trends. His leadership fosters collaboration and innovation, keeping Ginkgo MIC competitive in the market
Chief Executive Officer
Henry Tse, CPA, CA, MBA, CFP, AMP, CHS, CLU
Elaine Mak, director of investor relations at Ginkgo MIC, brings over 15 years of experience in the mortgage and personal finance industry. She excels at establishing and maintaining strong relationships with business partners, ensuring open communication and mutual success. With a deep expertise in financial analysis and risk control, Mak provides strategic advice to clients, helping them maximize investment returns and achieve long-term financial goals. Her commitment to client success and her ability to navigate complex financial landscapes make her an invaluable asset to both the company and its investors.
Director, Investor Relations
Elaine Mak
As the director of solution advisory, William Cheung brings over 10 years of specialized experience in mortgage underwriting, risk assessment, and portfolio management. Renowned for a keen analytical mind and a solution-driven approach, he excels at balancing risk with opportunity, ensuring the corporation’s investments are both secure and profitable. Cheung leads a dedicated team of solution advisors, fostering innovation in underwriting practices and leveraging advanced technologies to streamline processes. Passionate about empowering mortgage agents, he is committed to delivering unparalleled support and expertise, making complex financial decisions seamless and effective for all stakeholders.
Director, Solution Advisory
William Cheung
Leadership
Leadership
Terence Yu
Business Development Manager
Terence Yu is a seasoned professional with a proven track record in the mortgage industry. With extensive experience in credit as a mortgage coordinator and underwriter, his ability to find creative solutions and build strong relationships with the agent community has consistently yielded positive results. Yu continues to excel as our business development manager with his attention to detail and unwavering dedication. His strong leadership skills, commitment to excellence, and passion for helping clients achieve their financial goals make him an invaluable asset to our team and a respected figure in the industry.
Business Development Manager
Terence Yu
Dalena Truong
Business Development Manager
Dalena Truong brings a solid foundation in underwriting and credit to the alternative lending space, making her a trusted advisor. As a business development associate, she leverages strong analytical skills and a deep understanding of the mortgage landscape to identify growth opportunities. Her background in hospitality has equipped her with exceptional interpersonal skills, enabling her to build and maintain strong relationships with mortgage agent partners. Truong’s passion for creating meaningful connections and her dedication to excellence make her an invaluable asset in any business endeavour she undertakes.
Business Development Manager
Dalena Truong
Founded in 2011, Ginkgo MIC has established itself as a trusted leader in Canada’s alternative lending landscape. With a steadfast vision to be the preferred choice in private banking, Ginkgo MIC is dedicated to creating wealth for all stakeholders through innovative financial solutions.
The company’s mission is centred on capital preservation while delivering superior returns from real estate-backed investments. By offering a diversified portfolio primarily secured by properties in the Greater Toronto Area, Greater Vancouver Area, Alberta (Edmonton and Calgary), Winnipeg, and Halifax, Ginkgo MIC provides a steady stream of income for both investors and mortgage agent partners.
Mitch Grant
Director, Operational Excellence
Perry Thomas
Non-Executive Director and Chair of Risk and Capital Committee
Shirel Stedman
Non-Executive Director
Simon Williams
Chief Strategy & Distribution Officer, Arch Insurance International
and Active Underwriter, Syndicate 1955
Mitch leads the Operational Excellence function that brings together the firm’s experts in knowledge, legal operations and research services. This team is responsible for shaping the way Maddocks lawyers work, ensuring the delivery of exceptional client experiences.
Director, Operational Excellence
Mitch Grant
Perry Thomas is a non-executive director and chair of Risk and Capital Committee. He’s an actuary with over 30 years of experience in financial services in roles including CEO, CRO and group chief actuary. He’s held directorships in the UK, Bermuda, Ireland, India, South Africa, Malta and Luxembourg, and has been on the Council of the Institute and Faculty of Actuaries. Thomas is dyslexic, which he believes can bring a different perspective.
Non-Executive Director and Chair of Risk and Capital Committee
Perry Thomas
Shirel Stedman is a non-executive director. She is also a fellow chartered member of the Institution of Civil Engineers (FICE) and the Chartered Institute of Water and Environmental Management (CIWEM). Stedman brings over 30 years of experience as a civil engineer who has spent most of her career working on flood resilience, climate change and water issues across the public and private sectors.
Non-Executive Director
Shirel Stedman
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
Kimi leads the Estate Planning and Wealth Protection team and is a member of the Society of Trust and Estate Practitioners. She understands the complex and delicate nature of family estate planning, the technical requirements around probate and estate administration, and the importance of preserving wealth for future generations. Her advice is accurate, commercial, strategic and tailored to each situation.
Partner
Kimi Shah
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“We work tirelessly to support our mortgage agents, employees, and clients, but we also understand the importance of balance”
Henry Tse,
Ginkgo MIC
New clients and employees can expect a culture of trust, transparency, and support at Ginkgo MIC. Reflecting this commitment, the company was named the silver medalist of CMP’s 2024 Lender Employer Award.
“We work tirelessly to support our mortgage agents, employees, and clients, but we also understand the importance of balance,” says Tse. “We foster a friendly and approachable environment and know when to have fun. We host family-friendly events to recognize and celebrate our top performers, helping to build a strong and supportive Ginkgo community.”
Ginkgo MIC believes in treating all mortgage brokers as true business partners to ensure long-term success. The company ensures its broker partners are fairly compensated and regularly reviews and updates its commission rates to remain competitive. This dynamic and responsive approach fosters a sense of value and motivation among its partners, reinforcing their commitment to brokers’ success and their mutual clients.
In recent years, Ginkgo MIC has further strengthened its broker relationships through innovation, including AI-driven initiatives, enhanced support, and an expanded loyalty program. A key component of this strategy is its mobile app, Ginkgo Deal Tracker, which significantly improves service levels and turnaround times by allowing mortgage brokers to monitor deal status, track reward points, receive trailer fees, and communicate directly with underwriters.
By embracing technology and maintaining its dedication to broker support, Ginkgo MIC is poised to continue leading the industry in delivering exceptional value and service to its partners.
With a track record of providing sound, stable, and secured investments, Ginkgo MIC has paid over $52 million in dividends since its inception. The company remains committed to upholding its core values of trust and excellence, reinforcing its reputation as a reliable partner in Canada’s mortgage lending market.
Ginkgo MIC has been recognized as a medalist in all 10 categories of CMP’s Brokers on Lenders 2024 report and earned the gold medal overall, distinguishing itself among Canada’s best alternative mortgage lenders. Rooted deeply in its core values of trust, relationship-building, and exceptional service, the company’s commitment to prioritizing its broker partners sets it apart in a competitive lending market.
“‘Fast, Friendly, and Flexible’ isn’t just our slogan – it’s a core principle that drives every decision we make,” says CEO Henry Tse. “We dedicate our efforts, time, teamwork, and financial resources to developing solutions that meet the needs of our agents.”
This dedication to exceptional service has empowered over 1,000 mortgage agents and brokers, leading to the funding of over $1.15 billion in mortgages and supporting agent partners and their clients in achieving homeownership. As an alternative lender, Ginkgo MIC’s strategy is to empower its agents’ clients to improve their financial standing, preparing them for an eventual transition to A or B lenders. By offering flexible solutions, Ginkgo MIC helps clients achieve their long-term financial goals while providing necessary support during critical transitional periods.
The company’s leadership has been instrumental in driving growth and fostering a culture of innovation and excellence. Comprising experienced professionals with deep expertise in the mortgage and finance industries, the leadership team consistently steers Ginkgo MIC towards achieving its strategic goals.
more than $1 million in funds
over $2.3 million in combined monetary and in-kind donations through an annual World Food Derby initiative
2,320 volunteer hours to numerous deserving organizations, making a significant community impact
Alliant’s progress is set to continue, as underlined by Zimmer, who has confidence in the firm’s people to deliver continued excellence.
“We believe in our business plan, and it has proven successful. We don’t feel the need to change that. Our core business plan will continue to drive the company forward, complemented by new opportunities that may arise in the future.”
Turnaround time
Underwriter support
Overall
02 9261 5900
New clients and employees can expect a culture of trust, transparency, and support at Ginkgo MIC. Reflecting this commitment, the company was named the silver medalist of CMP’s 2024 Lender Employer Award.
“We work tirelessly to support our mortgage agents, employees, and clients, but we also understand the importance of balance,” says Tse. “We foster a friendly and approachable environment and know when to have fun. We host family-friendly events to recognize and celebrate our top performers, helping to build a strong and supportive Ginkgo community.”
Ginkgo MIC believes in treating all mortgage brokers as true business partners to ensure long-term success. The company ensures its broker partners are fairly compensated and regularly reviews and updates its commission rates to remain competitive. This dynamic and responsive approach fosters a sense of value and motivation among its partners, reinforcing their commitment to brokers’ success and their mutual clients.
In recent years, Ginkgo MIC has further strengthened its broker relationships through innovation, including AI-driven initiatives, enhanced support, and an expanded loyalty program. A key component of this strategy is its mobile app, Ginkgo Deal Tracker, which significantly improves service levels and turnaround times by allowing mortgage brokers to monitor deal status, track reward points, receive trailer fees, and communicate directly with underwriters.
By embracing technology and maintaining its dedication to broker support, Ginkgo MIC is poised to continue leading the industry in delivering exceptional value and service to its partners.
With a track record of providing sound, stable, and secured investments, Ginkgo MIC has paid over $52 million in dividends since its inception. The company remains committed to upholding its core values of trust and excellence, reinforcing its reputation as a reliable partner in Canada’s mortgage lending market.
New clients and employees can expect a culture of trust, transparency, and support at Ginkgo MIC. Reflecting this commitment, the company was named the silver medalist of CMP’s 2024 Lender Employer Award.
“We work tirelessly to support our mortgage agents, employees, and clients, but we also understand the importance of balance,” says Tse. “We foster a friendly and approachable environment and know when to have fun. We host family-friendly events to recognize and celebrate our top performers, helping to build a strong and supportive Ginkgo community.”
Ginkgo MIC believes in treating all mortgage brokers as true business partners to ensure long-term success. The company ensures its broker partners are fairly compensated and regularly reviews and updates its commission rates to remain competitive. This dynamic and responsive approach fosters a sense of value and motivation among its partners, reinforcing their commitment to brokers’ success and their mutual clients.
In recent years, Ginkgo MIC has further strengthened its broker relationships through innovation, including AI-driven initiatives, enhanced support, and an expanded loyalty program. A key component of this strategy is its mobile app, Ginkgo Deal Tracker, which significantly improves service levels and turnaround times by allowing mortgage brokers to monitor deal status, track reward points, receive trailer fees, and communicate directly with underwriters.
By embracing technology and maintaining its dedication to broker support, Ginkgo MIC is poised to continue leading the industry in delivering exceptional value and service to its partners.
With a track record of providing sound, stable, and secured investments, Ginkgo MIC has paid over $52 million in dividends since its inception. The company remains committed to upholding its core values of trust and excellence, reinforcing its reputation as a reliable partner in Canada’s mortgage lending market.