For decades, rental property ownership dominated the Canadian real estate investment conversation. Investors believed the only way to generate wealth from real estate was to buy a property, manage tenants, handle maintenance, and wait for appreciation. But in today’s environment of rising operating costs, regulatory pressure, tenant risks, and volatile pricing cycles, that strategy is…
Canada’s housing market is navigating one of its most complex affordability environments in decades. After an extended period of aggressive interest-rate increases, borrowing costs remain structurally higher than what many buyers, homeowners, and investors had become accustomed to over the last decade. While the pace of rate hikes has slowed, the impact on housing affordability,…
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…
In recent years, Environmental, Social, and Governance (ESG) investing has transformed the way investors approach capital allocation. No longer is the focus solely on financial returns; more investors are seeking opportunities that generate positive social and environmental outcomes alongside strong yields. One increasingly popular avenue that perfectly blends impact with profitability is real‑estate-backed private lending,…
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…
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…
Understanding the New Investment Climate Canada’s financial markets are adjusting to a new phase of monetary easing after the Bank of Canada’s latest policy decision to lower the overnight rate to 2.5%.While the move aims to stimulate economic growth, its ripple effects are being felt across every segment of the lending and investment landscape —…
In Fall 2025, Canadian investors are facing a pivotal choice: continue with low-yield passive savings or pivot to more strategic, income-focused alternatives. With the Bank of Canada recently lowering its policy rate to 2.5%, and inflation expectations moderating, the landscape for traditional savings products such as high-interest savings accounts (HISAs) and GICs has further weakened….