The Bank of Canada’s decision to hold its key interest rate at 2.75% in its latest policy announcement has created a ripple effect across Canada’s financial ecosystem. For borrowers, this hold signals stability after months of speculation about rate cuts. For investors, particularly those exploring Mortgage Investment Corporations (MICs), it provides a clearer outlook on…
The lending landscape in British Columbia is undergoing a notable shift. Amid tightening lending standards, higher interest rates, and evolving borrower profiles, short-term private mortgages are becoming increasingly important in the real estate ecosystem. For investors exploring opportunities outside of traditional financial institutions, this development signals both promise and prudence. Short-term private mortgages—typically 6 to…
The real estate landscape in British Columbia continues to evolve in 2025, shaped by rising affordability challenges, a shifting economic environment, and tighter lending practices. For investors seeking reliable income and real estate exposure without directly owning property, Mortgage Investment Corporations (MICs) have become an increasingly attractive solution. As the demand for alternative lending grows…
In recent years, Environmental, Social, and Governance (ESG) criteria have transitioned from niche considerations to central components of investment strategies worldwide. This shift reflects a growing recognition that sustainable and ethical practices are not only beneficial for society and the environment but also enhance long-term financial performance. In British Columbia (BC), Mortgage Investment Corporations (MICs)…
The Bank of Canada (BoC) meets eight times a year to decide whether the key policy interest rate needs to be adjusted or needs to be kept stagnant. When the BoC feels that inflation is under control and monetary policy is overly restrictive, it usually lowers the policy interest rate. On 29 January, the BoC…
Want to become a mortgage investor? Canadian investors are increasingly making investments in the mortgage industry via private mortgage investment firms, or MICs. With the interest rates experiencing a downfall in the recent years, mortgage investments in British Columbia has seen a good surge. Compared to conventional fixed income investments, MICs offer consistent returns and significantly higher…
A group of mortgage loans having comparable features, like issuance and maturity dates, are referred to as mortgage pools. The pool serves as collateral for a securities backed by a mortgage. In order to generate a varied investment return, investors buy mortgage pools. In other words, a collection of home and other real estate loans…
When it comes to investing your money in a mortgage pool, following and meeting the tax regulations not only protects your money, but also ensures risk-free returns. It also guarantees that the investment is transparent and honest. Since Mortgage Investment Corporations (MICs) require a complex process, maintaining the compliance is not easy at all. In…
Want to become a mortgage investor? If you’re thinking about investing in Mortgage Investment Corporations (MICs), it’s important to understand the tax regulations that come along. These regulations ensure that you follow the law and don’t get penalized in any way. In this blog, we will break down MIC taxes and other complex tax issues…
A Mortgage Investment Corporation (MIC) allows you to invest in the real estate market while reducing the time and risk of investing in individual mortgages. Investors combine their funds by purchasing shares in a MIC, resulting in an alternate fixed-income investment. Mortgage investment corporations in Abbotsford allow investors to invest in a pool of mortgages…