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What is a MIC? Why Investing with Lendworth Could Be Your Smartest Move Yet

As real estate markets in Canada—particularly in the Greater Toronto Area—evolve through changing economic conditions, many investors are seeking stable, income-generating alternatives to volatile equities and low-yield fixed-income options. One increasingly popular vehicle is the Mortgage Investment Corporation, or MIC.

At Lendworth Mortgage Investment Corporation, we offer qualified investors the opportunity to participate in the robust residential mortgage market through a conservative, well-managed lending strategy. Whether you invest with cash or through registered funds like RRSPs, TFSAs, RESPs, or LIRAs, a MIC can deliver steady returns with reduced risk.

What Is a Mortgage Investment Corporation (MIC)?

A MIC is a specialized investment vehicle governed by Section 130.1 of the Income Tax Act (Canada). Its purpose is to pool capital from investors and lend it in the form of mortgages—typically on residential properties.

MICs are required to:

  • Invest primarily in Canadian real estate secured mortgages
  • Distribute 100% of their net income to shareholders
  • Maintain a diversified portfolio with low loan-to-value (LTV) ratios to manage risk

The result? A tax-efficient, income-producing investment.

Why Invest with Lendworth MIC?

✅ 1. Conservative Lending Practices

Lendworth focuses on low LTV residential mortgages—primarily in the Greater Toronto Area and surrounding urban centers. This approach offers strong collateral coverage and limits downside exposure. Our underwriting is rooted in asset-based lending, prioritizing property value over borrower credit.

💸 2. Strong Yields and Consistent Returns

Our investors benefit from monthly distributions with annualized returns that outperform traditional GICs and bonds. Because we focus on short-term, high-yield lending opportunities, Lendworth MIC aims to deliver double-digit net returns while maintaining a disciplined lending strategy.

🏡 3. Exposure to a Resilient Market

Toronto remains one of Canada’s strongest and most liquid real estate markets, even through economic cycles. Our deep knowledge of local neighborhoods and market dynamics allows us to identify prime lending opportunities in residential real estate, including detached homes, condos, and townhomes.

📈 4. Registered Plan Eligible

Whether you're looking to grow your RRSP, TFSA, RESP, or LIRA, Lendworth MIC is fully eligible for registered accounts. Investing through these plans offers tax-sheltered or tax-deferred income—boosting your effective return.

🔒 5. Backed by a Professional Team

Our team at Lendworth brings decades of experience in mortgage lending, real estate investment, and asset management. With Lendworth Asset Management Corp. as our licensed administrator and Lendworth Financial as our origination partner, your investment is supported by industry professionals aligned with your long-term success.

Who Should Invest in a MIC?

MICs are ideal for:

  • Income-seeking investors
  • Retirees looking for monthly distributions
  • Professionals diversifying from stocks and mutual funds
  • RRSP/TFSA/RESP holders looking for higher yields
  • Investors wanting real estate exposure without being landlords

How to Invest

Getting started with Lendworth is simple:

  1. Speak to our investor relations team
  2. Choose to invest with cash or through your registered accounts
  3. Start earning monthly income backed by solid residential real estate

Final Thoughts

Mortgage Investment Corporations like Lendworth offer a balanced, low-volatility investment with high potential returns. In uncertain markets, capital preservation and reliable income are more important than ever. With low LTVs, a disciplined lending model, and exposure to the dynamic Toronto real estate market, Lendworth MIC is positioned to deliver value for years to come.

Ready to grow your wealth the smart way?

📩 Contact us today to learn how you can invest in Lendworth MIC.

Canada’s Housing Affordability Hits 3-Year High — What It Means for Buyers and How Lendworth Can Help
Canada’s real estate market is entering a new phase — homeownership is now more affordable than it’s been since 2022, according to RBC’s latest affordability index. As of Q1 2025, ownership costs across Canada dropped to 55.1% of household income, down from 60.7% a year earlier. That’s welcome news for Canadians looking to buy — but the road to true affordability still has miles to go.