It’s a fund that pools money from investors to finance multiple mortgage loans, offering a way to invest in real estate without having to own property directly.

The MPF from HMB is the only local mortgage participation fund available in Trinidad and Tobago.

You can open an MPF with an initial investment of TT $500 or more… $1,000, $10,000, $100,000… the amount is up to you; there is no ceiling. After that you can make investments of any size at any time. Many people prefer standing orders while other people like to invest funds according to their own schedule or as funds come to hand. Either way, all your principal(s) and interest reinvested are guaranteed.

You earn monthly returns from the interest borrowers pay on their mortgages in the fund. All interest earned is guaranteed by HMB.

Mortgage participation funds are a preferred investment worldwide because they are backed by tangible assets (real estate), interest payments are regular, risk is spread across a pool of mortgages, real estate is universally recognized as one way to future proof your finances and real estate funds are less volatile.

In addition to all the general benefits of a mortgage participation fund, the MPF from HMB also provides a host of unique benefits. Your principal(s) and monthly interest earned are guaranteed, there are no service charges, you enjoy anytime access with no penalties for withdrawals and superior fund performance, plus you have access to niche experts who specialize in real estate investments.

One risk is potential borrower defaults which are not only mitigated against by tangible real estate assets but also by HMB’s policy of securing the majority of your investment(s) with domestic mortgages, which have a low default history. HMB continually reviews the mortgages in the portfolio assigned to the fund to ensure quality. Changes in real estate market values and interest rate fluctuations can impact your investment noting that with the HMB MPF all monthly interest earned is guaranteed.

Your MPF from HMB is managed by niche experts who specialize in real estate investments who oversee loan selection, risk evaluation, and fund administration, allowing for informed and strategic investments.

Yes. The MPF from HMB is a short term investment ideally suited to defining personal or business goals and building towards achieving them.

There are no service charges or penalties with the MPF from HMB.

No. HMB guarantees both your principal(s) and interest earned.