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)…
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…
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…
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 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)…
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…