Private Lending in 2025: A Smarter Way to Earn More from Real Estate

 

Private Lending

In a year where Canada’s interest rates have held steady at 2.75%, investors are reevaluating their strategies for income and long-term growth. With GICs and savings accounts offering limited returns, more Canadians are exploring private lending as a practical, income-focused alternative.

One option growing in popularity is the Mortgage Investment Corporation (MIC)—a vehicle that provides access to real estate-backed mortgage pools with professional oversight, diversification, and attractive yield potential.

Looking to get started? Explore MIC investment opportunities designed for modern investors through Versa Platinum.

Why Private Lending is on the Rise

In today’s low-volatility, low-yield climate, traditional income products often can’t keep up with investor expectations. MICs, on the other hand, typically offer annual returns between 7% and 11%, with payments distributed on a monthly or quarterly basis.

Because these investments are backed by real property and structured through a pooled mortgage model, they’re able to offer consistent income with managed risk—without the complexity of managing individual real estate assets.

Learn more about the benefits of MIC investments and how they compare with traditional fixed-income options.

Why It Works—Especially in British Columbia

In British Columbia, the gap between borrower needs and bank lending standards has grown. That gap is now being filled by MICs—funding projects for self-employed individuals, new Canadians, and small developers who often get overlooked by major institutions.

These mortgage pools are not only supporting growth in regions like Kelowna, Langford, and Surrey—they’re also generating real income for investors who fund them.

Find out how a MIC works and why it’s proving resilient in today’s evolving credit environment.

Diversification Without the Volatility

One of the most appealing aspects of private lending via MICs is its non-correlation with public markets. MIC returns are based on mortgage interest payments, not stock performance. That makes them a compelling choice for investors seeking stability without sacrificing yield.

Plus, many MICs allow for shorter investment commitments and structured exit options—providing a level of flexibility not often found in traditional real estate or bond investments.

Understand the differences between MICs and private lending so you can make a more informed decision.

Income for Every Stage of Investing

Whether you’re building your portfolio or looking for steady income in retirement, MICs offer a scalable solution. They’re especially useful for:

  • Individuals seeking passive income
  • Those diversifying away from equities
  • Investors looking for a foothold in real estate without ownership headaches

Professional administration, portfolio reporting, and strong risk management protocols also make MICs suitable for both new and experienced investors.

Considering a more tailored approach? Versa Platinum provides lending solutions for brokers and investors with varying goals and timelines.

How to Get Started

If you're thinking about adding private lending to your investment mix, start by evaluating MICs with strong track records, transparent reporting, and aligned investment mandates. Versa Platinum offers access to mortgage pools backed by Canadian real estate and managed with a focus on capital preservation and predictable income.

You can explore MIC investment opportunities through a fully digital platform, with clear terms and professional management.

Have questions? Visit the FAQs page to learn more or contact us directly to speak with an advisor.

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