Ep.105 | Inside RiverRock MIC: Nick Kyprianou

In this final episode from The Canadian Mortgage Summit, hosts Neal Andreino and Ryan MacNeil sit down with Nick Kyprianou, CEO & Founder of RiverRock MIC, to unpack nearly four decades of mortgage industry experience.Nick shares how he helped grow Home Trust from $200 million to $17 billion, how he built RiverRock into one of Ontario’s most disciplined private lenders, and what today’s market can learn from the brutal housing downturn of the early ’90s.From 24-hour turnaround times to an aggressive but empathetic approach to arrears, Nick explains why RiverRock’s “bad things happen to good people” philosophy continues to define its success, and what brokers and investors should prepare for in the years ahead.Show Notes:00:00 – Intro: Live from the Canadian Mortgage Summit01:30 – Nick’s early career & lessons from Home Trust06:00 – Comparing the 1990s crash to today08:45 – RiverRock’s strategy for turbulent markets13:00 – What sets RiverRock apart: speed, structure, and discipline17:00 – How they reduced arrears through proactive management20:00 – Stories from the field: “We’ll pay you to leave”26:00 – Future expansion & the upcoming 5.99% “cleaner-end” product30:00 – Education gaps in Canada’s mortgage industry34:30 – Nick’s advice for brokers and MIC operators36:40 – Bonus: Food, football, and life philosophyResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: [email protected]