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 —…
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…
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 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…
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…
The landscape of real estate investing is evolving rapidly, especially in British Columbia, where high property prices, tighter lending rules, and rising interest rates have reshaped investor priorities. For decades, owning rental properties was considered the gold standard for wealth building. In 2025, however, more investors are pivoting toward Mortgage Investment Corporations (MICs)—a move that…
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…
Want to become a mortgage investor but don’t know how it works? In addition to helping many Canadians afford their homes, mortgages are among the most popular ways for investors to increase their wealth by leveraging their investment and earning consistent dividends. Mortgage lenders frequently turn to investors for the funding they need to provide…