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…
As Canada continues to navigate a post-pandemic recovery and adjust to a 2.75% interest rate environment, the focus of real estate development is gradually shifting away from major metropolitan hubs like Toronto and Vancouver. Secondary markets—such as Kelowna, Kamloops, Nanaimo, Red Deer, and Barrie—are experiencing a surge in housing demand, infrastructure expansion, and investor interest….
As of July 2025, the Bank of Canada has held its overnight rate at 2.75%, signaling a pause in monetary tightening but offering little relief to conservative investors chasing returns. In this yield-conscious environment, the question isn’t just about safety—it’s about performance. For Canadians comparing Guaranteed Investment Certificates (GICs), high-interest savings accounts (HISAs), and alternative…
In a significant policy shift, the Bank of Canada reduced its benchmark interest rate to 2.75%, setting a new tone for mid-2025. After grappling with historically high rates to curb inflation, Canada is now pivoting towards easing—offering new hope to borrowers and challenges for traditional fixed-income investors. But amid these adjustments, Mortgage Investment Corporations (MICs)…
After two years of turbulence across interest rates, inflation, and housing policy, many Canadian investors spent early 2024 in “wait-and-see” mode. Concerns about recession, property devaluation, and default risks led even seasoned investors to hold cash or shift into defensive assets. But in 2025, that narrative is shifting. With the Bank of Canada’s rate pause,…
The ripple effect of variable-rate mortgage renewals in British Columbia is being felt across the entire lending ecosystem. As the Bank of Canada maintains its rate cut trajectory into mid-2025, many borrowers who locked into variable-rate mortgages during the 2020–2022 low-rate window are now reaching their renewal periods—only to find their affordability strained and their…
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…
In British Columbia’s dynamic real estate finance ecosystem, Mortgage Pools are rapidly emerging as a strategic choice for investors seeking stable, passive income without the operational headaches of direct property ownership. With volatility in credit markets and traditional investment vehicles offering limited yields, 2025 is shaping up to be a pivotal year for mortgage pool…
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…
British Columbia’s real estate landscape is undergoing a fundamental shift in 2025. While major cities like Vancouver continue to dominate headlines, it’s the province’s underserved and emerging markets—such as Abbotsford, Chilliwack, Nanaimo, Kamloops, and Kelowna—that are becoming the focus of developers, investors, and mortgage lenders alike. At the center of this shift are Mortgage Investment…