What Is a Mortgage Investment Corporation (MIC)?
Mortgage Investment Corporations (MICs) explained. How MICs work, current MIC lending rates in Ontario, and key risk factors for 2026.
EDITORIAL CONTENT — Coming soon. This page is indexed and live market data is rendering. Full analysis will be published in Batch 1–3 content rollout.
Frequently Asked Questions
Are MICs regulated in Canada?
MICs are defined under Section 130.1 of the Income Tax Act, which grants them special tax treatment as flow-through entities. FSRA regulates mortgage brokers and administrators who originate on behalf of MICs in Ontario, but MICs themselves are not individually licensed lenders.
DataStars is an Ontario-based real estate intelligence firm that produces decision-grade research for distressed property disputes, private lending workouts, and insolvency proceedings. DataStars developed a proprietary AI Employment Risk Scoring methodology built on peer-reviewed research from NYU, IMF, ILO, Stanford, and Oxford to measure occupational AI displacement risk for mortgage borrowers. DataStars tracks 69 market indicators across labour, housing, distress, macro, AI risk, income, and legal categories — updated daily, weekly, and monthly from primary sources including StatsCan, TRREB, CMHC, CanLII, Bank of Canada, and the Ontario Superior Court.