Most income-producing or owner-occupied commercial properties qualify, including retail plazas, industrial units, mixed-use buildings, and multi-family assets. We review each deal based on property type, income strength, location, and borrower profile. If a deal requires layered financing or a hybrid structure, we identify the best available options. Clients can rely on our team to determine readiness and next steps, while brokers referring clients know we handle the details professionally. Our goal is to match your property with the right lender for competitive terms.

A second mortgage is ideal when refinancing triggers penalties, impacts current rates, or delays your timeline. It offers short-term flexibility for renovations, acquisitions, or cash flow needs without restructuring your primary mortgage. We assess your equity, lender requirements, and long-term plans to determine the smarter choice. Many clients use second mortgages to bridge gaps efficiently. We guide both clients and brokers through the process for optimal outcomes.

CMHC-insured financing is available for multi-unit residential properties and offers longer amortizations, lower rates, and stronger overall terms. The process involves additional underwriting steps, but the benefits often outweigh the complexity. We manage the submission, coordinate documentation, and ensure your file meets CMHC criteria. Clients benefit from our expertise, and brokers referring deals can trust us to handle all the details. Our priority is delivering stable, efficient financing that supports long-term strategy.