05/29/2026
When most people think about real estate investing, they think about buying property.
But there’s another side of real estate many Canadians are unfamiliar with: mortgage investing.
Two common approaches are MIC investing and direct mortgage investing.
While both provide exposure to real estate lending, the structure behind them is very different.
MIC investing typically provides:
• Diversification across multiple mortgages
• Professional management
• More passive exposure
• Lower deal-specific risk
Direct mortgage investing typically involves:
• Lending directly to borrowers
• Greater involvement in individual deals
• Concentration risk
• Potentially higher returns
The right approach depends on the investor’s goals, experience, risk tolerance, and desired level of involvement.
Understanding how an investment works is just as important as understanding potential returns.
As financial education continues to evolve, more Canadians are beginning to explore investment opportunities beyond traditional stocks and property ownership.
If you’d like to learn whether mortgage investing could have a place in your portfolio, reach out for a complimentary portfolio review.
This content is for educational purposes only and should not be considered financial or investment advice.