Ep.105 | Inside RiverRock MIC: Nick Kyprianou

Episode 105 of the Canadian Private Lenders’ Podcast podcast, hosted by Neal Andreino and Ryan MacNeil, titled "Ep.105 | Inside RiverRock MIC: Nick Kyprianou" was published on October 29, 2025 and runs 38 minutes.

October 29, 2025 ·38m · Canadian Private Lenders’ Podcast

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Summary

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 ...

Episode Description

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 Summit

01:30 – Nick’s early career & lessons from Home Trust

06:00 – Comparing the 1990s crash to today

08:45 – RiverRock’s strategy for turbulent markets

13:00 – What sets RiverRock apart: speed, structure, and discipline

17:00 – How they reduced arrears through proactive management

20:00 – Stories from the field: “We’ll pay you to leave”

26:00 – Future expansion & the upcoming 5.99% “cleaner-end” product

30:00 – Education gaps in Canada’s mortgage industry

34:30 – Nick’s advice for brokers and MIC operators

36:40 – Bonus: Food, football, and life philosophy

Resources:
Keystone Capital Group
CPLP Instagram: @cplpodcast
Keystone Instagram: @keycapgroup

Find Neal On:
Instagram: @neal.andreino
LinkedIn: Neal Andreino

Find Ryan on:
LinkedIn: Ryan MacNeil
E-mail: [email protected]

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