Real Estate Investment Company

After a period marked by interest rate shocks, tightening credit, and cautious capital movement, 2025 has emerged as a year of recalibration for Canadian investors. And one quiet but powerful beneficiary of this shift? Mortgage Investment Corporations (MICs) . Long favored for their real estate-backed security and attractive yields, MICs temporarily fell off the radar during periods of economic uncertainty. But today, a growing number of previously hesitant investors are returning—and for good reason. Market Stability and Rate Clarity Have Changed the Mood The Bank of Canada’s mid-2025 rate stance, following a few deliberate cuts earlier in the year, has brought much-needed clarity. Bond markets have stabilized, and inflation expectations are no longer spiking. This makes fixed-income and alternative debt structures —like MICs—more attractive relative to traditional equity-heavy portfolios. Investors who once hit pause are now eyeing 7–13% annual returns from select MICs, many...

British Columbia’s housing market is no stranger to change—but in 2025, the sheer volume of variable-rate mortgage renewals is triggering a noticeable shift, not just for borrowers, but for investors as well. As the Bank of Canada signals the start of a gradual rate-cutting cycle, thousands of BC homeowners are renewing at rates far higher than they were originally locked into between 2020–2022. While this presents affordability challenges for borrowers, it’s creating a high-demand window for private lenders and yield-seeking investors . One structure seeing significant traction? The Mortgage Investment Corporation (MIC) . What’s Driving the MIC Momentum? MICs are pooled lending vehicles that invest in secured mortgages, often for borrowers underserved by traditional banks. In return, they generate high-yield interest income for investors—usually in the range of 7.95% to 13.95% annually . Here’s why they’re in focus in mid-2025: 1. A Spike in Non-Bank Lending Demand ...