MIC Investment

MIC Investment

Why Mortgage Investment Corporations Are Leading Canada’s Alternative Lending Surge in 2025
ByVersa Platinum 8 August 20258 August 2025

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…

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From Passive to Powerful: Why More Canadians Are Turning to MICs for Income Generation in 2025
ByVersa Platinum 13 June 202526 July 2025

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…

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Navigating the 2025 Investment Landscape: The Rise of Private Credit and Alternative Lending in British Columbia
ByVersa Platinum 29 May 202526 July 2025

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…

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Why More Investors Are Choosing MICs Over Traditional Real Estate in 2025
ByVersa Platinum 16 May 202526 July 2025

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…

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MIC Investment

What Is a Mortgage Investment Corporation (MIC) and Why It Matters in 2025
ByVersa Platinum 24 April 202526 July 2025

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…

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MIC Investment

5 Ways MICs Are Adapting to the 2025 Housing and Credit Landscape
ByVersa Platinum 3 April 202526 July 2025

The Canadian housing and credit markets are undergoing notable transitions in 2025. With the Bank of Canada initiating rate cuts, the housing market entering a cooling phase, and over $300 billion in mortgage renewals underway, lending conditions are shifting quickly. For investors in Mortgage Investment Corporations (MICs)—particularly those operating in regions like British Columbia—these dynamics…

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Why Investing in MIC is a Smart Move for Investors
ByVersa Platinum 13 February 202513 February 2025

If you’re looking to diversify your investment portfolio with a high-return, low-risk opportunity, then Mortgage Investment Corporations (MICs) in British Columbia offer an attractive solution. For investors seeking a more secure alternative to volatile stock markets or traditional bonds, Versa Platinum is a leading MIC that provides access to real estate-backed mortgages, a stable investment…

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MIC Investment

Mortgage Investors vs. Lenders: How Do They Work?
ByVersa Platinum 13 December 2024

Wondering whether mortgage investors and mortgage lenders are two different terms? Yes, they definitely are. The difference between an investor and lender may seem obvious. However, some may consider them interchangeable terms. Also, while the fundamentals may be evident, there is a lot of variance in the details. The difference between an investor and a…

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MIC Investment

Regulatory Requirements For Mortgage Investment Corporation (MIC) 
ByVersa Platinum 28 November 2024

A Mortgage Investment Corporation (MIC) is a type of investment fund in which investors pool their money to provide private mortgage loans to borrowers. An investor purchases shares in a MIC by contributing to this pool of funds. This is an alternate fixed-income investment: a security that pays out fixed sums on predetermined dates. Most…

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MIC Investment

How MIC Administrators Manage A Mortgage Pool?
ByVersa Platinum 8 November 2024

A Mortgage Investment Corporation (MIC) is a financial organization that invests in Canadian mortgages via a group of private investors. Lenders use a MIC to pool their funds and buy mortgage shares as an alternative investment. MICs eliminate the time and risk required by investors when investing in individual mortgages. A MIC is more than…

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