A New Mortgage Cycle — and a Moment of Repricing Canada’s mortgage market is entering a defining moment. Roughly six in ten homeowners will renew their mortgages in 2025–26 — the largest reset in over a decade.Even after the Bank of Canada’s recent rate cut to 2.25 percent, many borrowers are still rolling off pandemic-era…
A New Phase for Income-Focused Investors For investors in Mortgage Investment Corporations (MICs), the Bank of Canada’s October 29, 2025 rate cut to 2.25 % represents more than a routine policy adjustment — it’s the signal that the next yield cycle has begun. After months of trade-driven slowdown, weak business investment, and a 7.1 percent…
The Bank of Canada’s September 2025 rate cut has triggered a new chapter in Canada’s financial landscape — one defined by easing policy, recalibrated risk, and shifting investor expectations.After months of economic slowdown and tightening liquidity, the reduction to 2.5% has renewed optimism in lending markets, particularly in the private and alternative investment sectors. While…
Introduction: A Fall Market Shift That Can’t Be Ignored Heading into Fall 2025, Canada’s housing sector is facing a clear deceleration. With GDP growth tapering, employment softening, and policy interest rates reduced to support economic recovery, major financial institutions are pulling back on credit issuance. Tighter lending criteria, especially from traditional banks, have left many…
On September 17, 2025, the Bank of Canada announced a 25-basis-point policy rate cut, lowering the overnight rate to 2.5%. This decision comes amid growing signs of economic deceleration—marked by a contraction in GDP, declining exports, and rising unemployment. As the broader financial environment shifts, investors are reevaluating their income strategies in response to lower…
Introduction: Private Lending in a Debt-Laden Economy Canada is entering the final quarter of 2025 with its highest-ever levels of household debt. As families and businesses feel the pressure of mortgage renewals, credit card obligations, and tightened access to traditional financing, the investment landscape is adjusting rapidly. Within this shifting environment, Mortgage Investment Corporations (MICs)…
The Hidden Cost of Cash in a 2.75% Rate Economy As of September 2025, the Bank of Canada continues to hold its policy rate at 2.75%, signaling a measured approach to economic recovery. For Canadian investors, this rate environment brings clarity—but also a challenge. While inflation has eased compared to previous years, the opportunity cost…
Shifting Tides: Institutional Capital Eyes the MIC Sector Mortgage Investment Corporations (MICs), traditionally the domain of high-net-worth individuals and retail investors seeking steady returns outside conventional markets, are undergoing a strategic pivot in 2025. With Canada’s policy interest rate still holding at 2.75% and banks remaining cautious in their lending, large institutional players — including…
In British Columbia’s shifting financial landscape, Mortgage Investment Corporations (MICs) are becoming more than just alternative lenders—they’re turning into an intergenerational financial bridge. With aging baby boomers looking for stable passive income and younger Canadians struggling to secure financing in a high-cost housing market, MICs have emerged as a mutually beneficial solution that meets both…
With the Bank of Canada’s key interest rate now at 2.75% as of July 2025, Canadian investors are revisiting how they allocate capital for short-term returns. Traditional fixed-income vehicles like GICs and high-interest savings accounts—long considered safe bets—are facing stiff competition from short-term Mortgage Investment Corporations (MICs), which are offering superior yields and flexibility without…