What We Fund
The asset classes we lend against
We provide first and second mortgages across Ontario, secured against both residential and commercial real estate. Below is a closer look at the property types we consider — and the one requirement every deal must meet.
Residential
Residential real estate
Completed, move-in-ready homes. Whether you are bridging a purchase and sale, unlocking equity, funding a renovation, or consolidating debt, we lend against finished residential property.
Houses & townhouses
Detached and semi-detached houses, townhouses, and row homes that are fully built and ready for occupancy.
Condominiums
Individually owned condominium units in completed, registered buildings.
Commercial
Commercial real estate
From retail and industrial buildings to income-producing commercial land, we lend against a broad range of operational commercial property.
Retail plazas
Multi-unit retail centres and strip plazas. We look at the location, tenant mix, and the income the property generates when structuring the loan.
Retail units
Standalone storefronts and individual commercial retail units, including units within a larger building or commercial condominium.
Industrial buildings
Warehouses, distribution centres, and manufacturing or logistics facilities used for storage, production, and operations.
Commercial land & special-use
Income-producing and operational commercial land — including parking yards, nurseries, and wineries — that is built out and running.
The One Requirement
Clear, complete zoning
Whatever the asset class, every property must be already built and fully zoned for its current use, with no outstanding work and no permits pending.
We do not lend on properties that are in the process of being rezoned, or where any zoning approval or permit is still to be completed. If the zoning is clear and the work is done, we are ready to talk.
Have a property in mind?
Start an application or get in touch and we will let you know quickly whether it is a fit.