Real Estate Investment Company

Introduction The Canadian investment landscape is undergoing a significant transformation in 2025. With the Bank of Canada lowering its policy rate to 2.5% and inflation expectations moderating, traditional savings instruments such as high-interest savings accounts (HISAs) and Guaranteed Investment Certificates (GICs) are providing lower returns. Investors are increasingly exploring private lending , especially through Mortgage Investment Corporations (MICs), as a more strategic, income-focused alternative. Why Traditional Savings Are Losing Appeal Low Returns: With reduced interest rates, savings products fail to keep up with inflation. Limited Growth: HISAs and GICs provide predictable but minimal returns. Economic Uncertainty: Investors seek options that offer both security and higher yield. The Rise of Private Lending  Private lending offers opportunities that traditional banks often cannot match. MICs provide asset-backed loans that are both secure and flexible. Investors ar...

Let’s face it — today’s markets can feel a little unpredictable. Rates go up, stocks swing down, inflation sticks around… and suddenly, “safe” investments don’t feel so safe anymore. If you’re tired of riding that rollercoaster and want something steadier, Mortgage Investment Corporations (MICs) might be worth a closer look. They’ve been quietly delivering what most investors want but rarely find all in one place — stability, yield, and diversification. Here’s why they’re turning heads right now. 1. Stability: A Solid Base When Things Get Bumpy When markets wobble, MICs tend to stay grounded. That’s because they’re backed by something real — property. MICs pool investor funds to lend out as mortgages, and those loans are secured by real estate. So even if a borrower runs into trouble, there’s a tangible asset behind the loan. That kind of cushion can make a big difference when the economy hits a rough patch. And since MICs aren’t traded like stocks, you don’t see your investment jump...

  Private lending or Mortgage Investment Corporations (MICs) are options for investors who want to diversify their portfolios beyond stocks and bonds. Both options provide you with access to mortgage financing and real estate, but they work in different ways and are better for people with different levels of risk. This is how they stack up. What does private lending mean? In private lending , an individual investor gives money directly to a borrower, usually with real estate as collateral. The investor gets paid interest for taking on the risk of lending. Pros: A direct connection with the borrower. The borrower has the ability to modify the terms of a loan. Possibility of higher returns. Risks: There is a concentration risk associated with lending to only one person. The likelihood of defaulting on the loan increases. It takes time, work, and knowledge to handle. What 's an MIC? A mortgage investment corporation takes money from many investors and uses it to buy a variety of mort...

  As Canada’s housing market decelerates into fall 2025, traditional lenders are pulling back—tightening criteria, reducing approvals, and leaving many would-be borrowers with limited financing options. But one segment isn’t slowing down: private lending. In fact, mortgage investment corporations (MICs) are seeing growing investor interest and borrower demand, even as home sales flatten and economic momentum tapers. Private Lending: Built for Market Imbalance Today’s lending landscape is marked by a noticeable divide: Borrowers : Facing new obstacles from banks and credit unions Investors : Seeking alternatives to stock market volatility and low fixed-income returns Private lenders are bridging that gap by offering secured loans to real estate-backed projects, often with shorter terms, competitive yields, and tailored underwriting. Why MICs Still Make Sense in a Cooling Market Even as property appreciation slows, MICs continue to deliver: Monthly income through borrower interest C...