01
Understand
the opportunity.
Your objectives, your property, your timing. We start by understanding the full picture.
MONTRÉAL ROOTS. INFINITE POSSIBILITIES.
The right capital.
Changes everything.
A home. A landmark acquisition. Your next chapter.
Financing built around what you see ahead.
CAPITAL, CONNECTED.
Private perspective.
Institutional possibilities.
45°30′ N 73°34′ W MONTRÉAL, QCSCROLL TO EXPLORE
PRIVATE MORTGAGESBANK & INSTITUTIONALCOMMERCIALMEZZANINERESIDENTIAL
A PERSPECTIVE ON RATES
Canada Mortgage Bonds.
Yields from latest completed government purchases
5-YEAR CMB
3.664%
Trade date
10-YEAR CMB
3.891%
Trade date
Snapshot checked Oct 23, 2026.
01 / OUR EXPERTISE
One relationship.
A wider world of capital.
Your ambition.
The right structure.
Rooted in Montréal, Québec, we connect your property and project with private mortgage, residential, commercial, institutional and mezzanine financing options.
CAPITAL FOR WHAT’S NEXT
Opportunity doesn’t
always wait.
An alternative route when a conventional mortgage doesn’t fit. Explore property-backed private financing for a purchase, refinance or the space between transactions.
Let’s discuss private financingPUT YOUR NEXT MOVE IN PERSPECTIVE
A few numbers.
A clearer picture.
Explore a payment. Size a commercial loan.
Adjust the assumptions and see what changes.
ESTIMATED MONTHLY PAYMENT
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Interest in the first 5 years—
Mortgage balance after 5 years—
Discuss these numbers ILLUSTRATIVE BORROWING CAPACITY
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Limit from property value—
Limit from income coverage—
Discuss this property Illustrations only, using a fixed nominal rate compounded semi-annually and monthly payments. Rates and limits are editable assumptions, not financing offers. Excludes insurance premiums, taxes and fees. Commercial calculations use property NOI; CMHC program underwriting differs. Subject to lender approval.
THE INFINITE PERSPECTIVE
See beyond
the conventional.
The best financing starts with a broader view. We look at the property, the purpose and the possibilities—then bring the right conversations together.
Independent thinkingA connected approachYour objectives, first
Open a conversation 02 / OUR APPROACH
Clarity at every step.
Complex financing.
A clear way forward.
From the first conversation to the next move, the focus stays on your project and the financing it needs.
Understand
02
Explore
the possibilities.
We consider the financing routes and structures that make sense for your situation.
03
Move forward
with perspective.
Review the path, clarify the requirements and take the next step with a considered plan.
THE FINANCING BRIEF
Worth knowing.
Before your next move.
Canadian mortgage news and practical reads.
The point. The context. The next consideration.
6 articles
Policy rate decision
Bank of Canada raises its policy rate to 2.50%.
Announced October 28 and effective October 29, the 25-basis-point increase brings the overnight target to 2.50%. The Bank cites more persistent inflation and stronger growth than previously expected.
30-second brief
- The Bank Rate is 2.75%; the deposit rate is 2.45%.
- The next scheduled policy-rate announcement is December 9, 2026.
- This policy rate is not a mortgage offer or a CMB purchase yield.
Official policy-rate table and effective-date note
Desjardins raised its Canadian prime rate from 4.45% to 4.70%, effective October 29. This is a lender-specific prime rate, not a mortgage quote.
Québec housing financing
Québec PFH: long-term reference rate falls to 4.897%.
Québec’s housing financing program (PFH) lists a long-term conversion reference of 4.897% from November 1, versus 5.084% in October, for National Bank’s agreement effective February 1, 2026.
30-second brief
- The short-term reference remains 4.45%; lender prime is 4.70%.
- Older PFH agreements carry different reference rates.
- Program-specific rates, not a general mortgage offer or approval guarantee.
New condominium prices
Montréal new-condo prices rise 0.7% in Q3.
Statistics Canada’s Q3 2026 index rose 0.7% in Montréal and was unchanged in Québec, while its nine-metropolitan-area composite fell 0.6% from Q2.
30-second brief
- Measures developers’ selling prices for new apartment-style condos, not resale prices.
- Quarterly changes compare Q3 with Q2 2026.
- Not seasonally adjusted; subject to a one-quarter revision period.
Program spotlight
MLI Select: plan for more possibilities.
Affordability, energy efficiency and accessibility can change the financing picture. MLI Select links a rental project’s score to leverage and amortization options, subject to underwriting.
30-second brief
- Most eligible projects need at least five units and 50 points.
- Amortization can reach 50 years at 100 points, subject to program requirements.
- For 2027 affordable-rent increases, applicable local rules take priority; CMHC’s CPI limits apply where no such rules exist.
Mortgage market update
Renewal pressure eases. Risks remain uneven.
CMHC’s fall report says the biggest renewal shock has likely passed, but some five-year borrowers from 2021 still face higher payments. Mortgage stress remains contained nationally, with larger increases in Ontario and British Columbia.
30-second brief
- Begin comparing well before your current term expires.
- Compare prepayment privileges and conditions alongside the rate.
- A longer amortization can lower payments but increase total interest.
Canadian business financing
Construction term-credit disbursements fall 12.4%.
Statistics Canada’s new data show $18.459 billion in construction term-credit disbursements in Canada in the first half of 2026, versus $21.077 billion a year earlier. Disbursements to real estate, rental and leasing rose 2.6%.
30-second brief
- Year-over-year changes calculated from table 33-10-0014-01, for all suppliers surveyed.
- Disbursements measure new term credit, not outstanding debt or approval rates. Data may be revised.
Practical guide: BDC debt service coverage
Collateral is only one part of the conversation. BDC explains how debt service coverage helps lenders assess whether a business can carry principal and interest payments.
- BDC’s business calculation uses EBITDA divided by debt payments.
- Include the proposed borrowing when assessing repayment capacity.
- Property lending often uses net operating income; confirm the lender’s method.
Summaries provide general context. Consult each original source for its publication date and current program terms.
A CITY BUILT ON AMBITION
Rooted in Montréal.
Looking ahead.
A city of distinctive properties, bold ideas and new chapters. It’s the perspective behind the way we think about capital.
MONTRÉAL 45.5019° N / 73.5674° W
YOUR NEXT CHAPTER
A conversation is where it begins.
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