CMO Investment Certificate

You have plans. We have investment solutions.

With high returns and varying maturity terms, we can customise an investment plan to help you reach your short and long term goals.

The purpose of the CMO is to provide funding to the Issuer to acquire mortgage loans on the secondary market from Approved Mortgage Lenders and to meet the Bank’s corporate financing needs.

No dealer, salesman or other person is authorized to give any information or to make any representations other than those contained in this Prospectus and if given or made such information or representations may not be relied upon as having been authorized by the Issuer or its Directors.

This Prospectus does not constitute an offer or solicitation to anyone in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

CMO Investment Certificate

CMOs are liquid investments as the Bank has unconditionally undertaken to repurchase the bonds from individual investors should the need arise. With this guaranteed market, individual investors are able to make long-term investments, which offer better yield while knowing that they can liquidate the bonds if required.

As an investment strategy for retirement planning, investors can purchase bonds on a regular basis, and/or use the total monthly cash flows to purchase additional bonds, i.e. reinvest the income, to match their retirement age or beyond. The objective is to build up a portfolio such that at retirement, the monthly income from this portfolio can be used to pay yourself a monthly pension without spending the capital. This capital or “ nest egg ” can be used in the case of emergencies or passed on to your heirs.

Why invest in CMOs?
  • Investments pay you a monthly income that can cover your expenses
  • Investments allow you to put aside a nest egg for your children or grandchildren
  • It is a useful tool that allows you to plan for your retirement
  • It is a valuable Investment that allows you to maximise yields by investing your retirement lump sum
  • This investment can be used to establish your own annuity
  • CMOs allow you to diversify your investment portfolio
The key features of this investment are:
  • Range of investment terms
  • Floating coupon rates tied to a specific portfolio of mortgages
  • Regular interest bonds that provide monthly payments
  • Capitalized interest bonds that defer monthly payments
  • Zero Coupon Bonds for the longer term investors
  • Detailed monthly statement

Additional Resources

Get the full prospectus for the Collateralised Mortgage Obligation Certificates below.

Need more information? Learn more about the CMO via the Credit Rating Report.

Want to invest? Download and complete the subscription form to apply today.

HMB CMO 2022-01 Supplemental Monthly Data

HMB CMO 2020-01 Supplemental Monthly Data

HMB CMO 2019-01 Supplemental Monthly Data

"No one's ever achieved financial fitness with a January resolution that's abandoned by February."

– Suze Orman

What do you need to apply?
  • Any 2 forms of Identification (Valid National Identification Card, Passport, Driver’s Permit)
  • Proof of Address (Utility Bill etc.)
  • Proof of Income (Job Letter or Salary Slip)
  • Source of Funds
  • Copy of the Certificate of Incorporation
  • Copy of the latest Annual Return of the Company
  • A letter from the Company stating the signatories to the account and their signing limits
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