Real Estate Investment Company

  In mid-2025, Canadians looking for dependable, short-term income are waking up to a financial shift: Guaranteed Investment Certificates (GICs) aren’t keeping up. As the Bank of Canada maintains its 2.75% policy rate , most GICs are hovering below 4%—not enough to beat inflation or satisfy return-hungry investors. Enter short-term Mortgage Investment Corporations (MICs) —a powerful, real estate–backed alternative that’s now commanding investor attention across British Columbia, Alberta, and beyond. GICs: Safe, But Sluggish GICs have traditionally been the go-to option for capital preservation. They’re low risk, federally insured, and predictable. But in 2025, they come with downsides: Average 1-year GIC rates are between 3.5%–3.9% Funds are locked in unless you pay penalties All income is fully taxable In today’s cost-of-living environment, that simply isn’t good enough for many Canadians. Investors are now actively seeking alternatives that offer sec...

For years, Canada’s real estate narrative has centered on urban giants—Toronto, Vancouver, Calgary. But 2025 is telling a different story. As affordability remains elusive in major metros, smaller cities like Kelowna , Abbotsford , Nanaimo , and Red Deer are quietly becoming hotspots for real estate activity—and investors are taking notice. What’s powering this shift? It’s not just population spillover or remote work. It’s about investors seeking stable, secured income with lower acquisition costs and less exposure to market froth . This is where Mortgage Investment Corporations (MICs) are stepping up—especially those with a presence in Canada’s underserved regions. MICs Are Leading the Charge in Regional Growth MICs are pooled investment vehicles that fund real estate projects and mortgages—often in areas where banks are either too slow or too rigid. In secondary markets, where development is more agile and demand for housing remains steady, MICs are fueling local gro...

As the Bank of Canada holds its key interest rate at 2.75%, investors across the country are reassessing their strategies. Traditional GICs and bond ladders are no longer sufficient for those seeking consistent, inflation-beating returns. That’s where Mortgage Investment Corporations (MICs) are entering the spotlight—and not just for Bay Street professionals. In 2025, a new class of Canadians—young professionals, retirees, and middle-income earners—are discovering how MICs can offer secured, income-generating opportunities even during uncertain economic times. What Is a MIC and Why It’s Trending in 2025 A Mortgage Investment Corporation is a pooled investment vehicle that lends money to borrowers, usually secured by real estate in Canada. Investors earn a return from the interest payments on these loans, which are typically short-term and higher-yield than traditional mortgage lending. The recent surge in MIC interest is tied to: Elevated mortgage renewal activity ...

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 ...