Why Late 2025 Could Be the Smartest Time to Enter MIC Investing
As Canada enters the second half of 2025 with the Bank of Canada holding its key interest rate at 2.75% , the lending environment is signaling a subtle but powerful shift. Traditional lenders remain cautious. Real estate activity is gradually recovering. And investors are searching for resilient income streams that don’t hinge entirely on the stock market. Enter Mortgage Investment Corporations (MICs)—a flexible, secured, and increasingly sought-after alternative for Canadians seeking monthly income from real estate-backed investments. MICs in Late 2025: Lending Gaps = Investment Opportunities In times when conventional lenders tighten up or recalibrate, MICs step in. They provide short-term, interest-only loans to borrowers who might not meet the rigid criteria of chartered banks—such as developers needing bridge financing or self-employed homebuyers without traditional income documentation. This is particularly visible in British Columbia, where MICs have become essential to ...