Our business model is structured around two objectives:

• Providing commercial property owners and developers with mortgages custom-tailored to their investment needs
• Offering investors a secure source of monthly income with very little need for hands on oversight.

For Borrowers: Flexible Terms and Attractive Rates

We provide primarily first and second mortgages and bridge financing to borrowers seeking to purchase, refinance, refurbish or develop commercial real estate in major Canadian markets. Our in-house team handles all aspects of these transactions quickly and efficiently.

All of our mortgages are custom tailored. Typically, loans are interest only over 12 month terms, with interest rates as low as 7%, depending on the property. Our underwriting process focuses on borrower experience and includes a thorough analysis of:

• Project economics and exit strategies
• Property values and credit assessments
• Micro and macro market conditions

For Investors: Rigorous Risk Management and Stable Income

We offer a range of mortgage investments for investors seeking a steady monthly income. Our stellar history and continuing commitment to preservation of capital positions us well for stable and predictable returns. We adhere to a conservative lending policy that includes:

• Lending only against properties with definable exit strategies and favourable valuation
• Investing in short-term mortgages (12 months) to mitigate interest rate and market risks
• Conducting thorough due diligence and credit assessments
• Structuring innovative financings to boost investment returns