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…
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…
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….
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,…
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 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…
Understanding MICs in Canada’s Real Estate Investment Landscape As interest rates stabilize and real estate investors look for secure, income-generating alternatives in 2025, Mortgage Investment Corporations (MICs) have become a top contender. These unique investment vehicles allow individuals to pool capital and invest in secured mortgages—earning monthly income while being backed by real property. Whether…
Canada’s lending environment in 2025 is marked by sharp contrasts. On one hand, the Bank of Canada’s rate cuts signal a pivot toward growth and accessibility. On the other, mortgage renewals, credit tightening, and regional market divergence are creating real pressure points for borrowers and lenders alike. In the middle of this dynamic landscape, Mortgage…
Introduction Investing in real estate has long been a popular wealth-building strategy in British Columbia. However, with increasing property prices and stricter mortgage regulations, traditional real estate investments are becoming harder to access. This has led many investors to explore alternative real estate-backed investment options, such as Mortgage Investment Corporations (MICs). MICs promise steady passive…