As wealth grows, investment objectives change. High-net-worth Canadians are no longer focused solely on maximizing returns—they are equally concerned with: At this level of wealth, traditional investment products often fall short. Equity markets introduce emotional and pricing risk. Bonds compress yields. Real estate ownership creates operational friction and tax complexity. This is precisely why Mortgage…
One of the most common—and most important—questions investors ask before entering Mortgage Investment Corporations (MICs) is: “What happens to my investment if a borrower stops paying?” This is the right question to ask. In real estate lending, risk does not disappear—it is structured, priced, and enforced. Unlike stocks or speculative investments where losses are often…
When Canadians think about real estate investing, the spotlight usually falls on rental properties, REITs, or development projects. But behind the scenes, institutional investors, corporate funds, and ultra-high-net-worth individuals rely heavily on a different and far more discreet strategy: Mortgage Investment Corporations (MICs). These investors are not chasing appreciation. They are not flipping homes. They…
Investing in real estate has long been a trusted path to wealth building, passive income, and long-term financial security. But as markets evolve, so do the ways to access real-estate returns. Two prominent routes today are: investing directly in real properties (rentals, buy-and-hold, etc.) — what most think of as “traditional real estate” — and…
A Subtle Shift Reshaping Canada’s Credit Landscape Canada’s mortgage-lending environment has entered a new phase.Following the Bank of Canada’s October 2025 rate cut to 2.25 %, both credit and property markets are showing renewed activity. Debt issuance has risen by roughly 10 %, liquidity has improved, and competition among lenders has intensified. Yet with this…
The Canadian lending landscape in 2025 is undergoing a major shift. Traditional banks, long considered the backbone of the mortgage industry, are facing increased regulatory scrutiny, tightening credit conditions, and heightened risk-aversion. This has created a significant funding gap—one that Mortgage Investment Corporations (MICs) are increasingly filling. With interest rates holding steady at 2.75% and…
In a year defined by cautious optimism, Canadians are rethinking how they generate consistent income from their investments. With GICs lagging behind inflation, stock market volatility pushing risk tolerance limits, and rental property management requiring more time than most investors can give, many are shifting their focus toward Mortgage Investment Corporations (MICs). These pooled real…
In the wake of economic headwinds, elevated interest rates, and tightened bank lending standards, 2025 is shaping up to be a pivotal year for private credit in British Columbia. As traditional institutions continue to limit borrower access, a growing number of investors are shifting their focus toward alternative lending—particularly Mortgage Investment Corporations (MICs). These vehicles…
The landscape of real estate investing is evolving rapidly, especially in British Columbia, where high property prices, tighter lending rules, and rising interest rates have reshaped investor priorities. For decades, owning rental properties was considered the gold standard for wealth building. In 2025, however, more investors are pivoting toward Mortgage Investment Corporations (MICs)—a move that…
Understanding MICs in Canada’s Real Estate Investment Landscape As interest rates stabilize and real estate investors look for secure, income-generating alternatives in 2025, Mortgage Investment Corporations (MICs) have become a top contender. These unique investment vehicles allow individuals to pool capital and invest in secured mortgages—earning monthly income while being backed by real property. Whether…