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…
Investors Are Looking Beyond the “Safe” Choice With the Bank of Canada holding its key interest rate at 2.75% as of August 2025, high-interest savings accounts (HISAs) continue to be marketed as attractive “low-risk” options. Many Canadians, especially conservative investors and savers, are leaning toward these accounts for the promise of principal safety and easy…
The Economic Climate Driving Investment Realignment In 2025, Canadian investors are adapting to a transformed economic environment. The Bank of Canada’s decision to hold its key interest rate steady at 2.75% signals a phase of stabilization following years of aggressive rate hikes and inflationary pressures. While this rate provides breathing room for borrowers, it presents…
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…
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…
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…