Real Estate Investment Company

  As Canada enters a major mortgage renewal cycle, a wide door is opening for informed investors. For many, the traditional safe havens — like GICs, bonds or publicly listed real estate trusts — are offering ever-diminishing returns. That’s where the concept of a Mortgage Investment Corporation (MIC) — also known as a Mortgage Investment Company — becomes both compelling and timely. In this blog we explore what MICs are, why renewal shock is creating opportunity, and what the key benefits of MIC investment are today — especially within British Columbia and Western Canada. What is a Mortgage Investment Corporation (MIC)? A Mortgage Investment Corporation is a pooled investment vehicle structured to lend money secured by real-estate-backed mortgages. Investors contribute capital; the MIC originates, holds and manages a portfolio of mortgage loans; the loan interest is paid by borrowers and flows back to investors as distributions (often monthly or quarterly). Key features: Loans ar...

When the Bank of Canada lowered its policy rate to 2.25% in late October 2025, it marked more than another shift in monetary policy — it signaled the start of Canada’s most consequential mortgage renewal cycle in over a decade. An estimated 60% of all outstanding mortgages are set to renew by the end of 2026, creating a wave of repricing that’s reshaping everything from household budgets to investor strategies. For borrowers, this renewal period means a financial reset — the end of ultra-low rates from the pandemic years. But for investors, it represents a rare window to capitalize on new dynamics in the private lending market, where Mortgage Investment Corporations (MICs) are poised to thrive. From Rate Cuts to Realignment Despite rate reductions, fixed-rate renewals still hover well above pre-pandemic levels. The result? Borrowers moving from 1.8% mortgages in 2020 to renewal offers closer to 4–5% in 2025–26. That gap has created an unprecedented refinancing rip...