Our Financing,
Your Advancement.

Services

Our private mortgage solutions enable you to realize your vision as it evolves or to quickly resolve a credit situation.

Purchase and sale

We understand the importance of seizing opportunities when they arise, which is why our financing service is quick and flexible and adjusts to your reality.

This mortgage loan solution is for you if:

  • You have a short period of time to close an acquisition or refinance

  • You want to buy a new property before finalizing the sale of the previous one

  • Your debt ratio or credit file does not meet the conventional criteria

  • You want to sell a property and not go into default with a current lender requiring monthly payments

Refinancing

Our refinancing system allows you to seek equity on your property or replace a lender whose financing term has expired.

Renovations and optimizations

We can support your renovation and optimization projects beyond the standard banking offer.

This mortgage loan solution is for you if:

  • Your high vacation rate makes your file ineligible for conventional financing

  • You anticipate an increase in revenue before proceeding with your long-term financing

  • You want to renovate to increase the value of the property before proceeding with long-term financing

Particular situations

We know that the life of investors is not smooth sailing, so we offer tailor-made solutions based on the file presented.

We can also help in situations of:

  • Prior notice of exercise of hypothecary right

  • Orderly sale of property

  • Bankruptcy

  • Bad credit

  • Self-employed workers

  • Redemption of shares in a divorce

  • Redemption of shares of an associate

  • Consolidation of debts (credit cards, taxes, personal loans, etc.)

Conditions

  • Loan amount ranging from $100,000 to $5 million

  • Term varying between 3 and 24 months

  • Interest payable monthly or in advance

  • Principal repayable at maturity

  • Equity-guaranteed fixed rate term loan on buildings

  • Credit or debt ratio not considered

  • Monthly interest payment and principal repayment at maturity

  • Rate between 10% and 14% in first mortgage

  • Rate between 13% and 16% in second mortgage

Qualification Criteria

  • Up to 75% loan-to-value (LTV) ratio for buildings with first mortgage

  • Up to 50% LTV ratio for land

  • Up to 65% LTV ratio for buildings with second mortgage

  • Properties in the Greater Metropolitan Area, as well as in Tremblant, Saint-Hyacinthe, Sherbrooke, Trois-Rivières, Drummondville, Granby and Bromont

  • Professional assessment required

  • Inspection sometimes required as part of an acquisition

  • The borrower’s credit and debt ratios are not essential to mortgage loan acceptance

In brief

  • Up to 75%

    Loan-to-value ratio

  • 3 to 24 months

    Term duration

  • Potential loan value