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.
Every property, project and opportunity has its own story. We connect the financing to yours—with a perspective that reaches across the capital landscape.
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
Housing starts
Montréal construction loses momentum.
CMHC’s September data show Montréal’s six-month housing-starts trend fell 8% from August, led by multi-unit housing. The national monthly pace rose, but local supply tells a different story.
30-second brief
- Montréal’s 8% decline is in the six-month trend, not a year-over-year count.
- Canada’s monthly seasonally adjusted annual pace rose 3% to 248,896 units.
- Permits, starts and completed homes measure different stages of future supply.
Business outlook
A steadier housing outlook. Not a recovery.
The Bank of Canada’s latest business survey finds housing-related sales outlooks still weak, despite signs of stabilization. Later evidence points to renewed tariff pressure on costs and investment.
30-second brief
- Most quarterly interviews preceded the breakdown in Canada-US trade talks.
- Later responses show tariffs weighing on business outlooks and raising price expectations.
- Survey findings describe business conditions, not a mortgage-rate offer or forecast.
Business financing
Buy the building. Keep room to operate.
The purchase price is only part of the plan. BDC outlines financing for commercial acquisitions, construction and renovations, with options that can help preserve operating cash.
30-second brief
- Build a budget that includes renovations and related project costs.
- BDC offers amortization up to 25 years, subject to approval.
- This business product excludes residential-zoned projects.
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 strategy
Your renewal deserves a second offer.
A renewal letter is a starting point. Compare lenders a few months before maturity, then weigh payment flexibility, switching costs and the rate together.
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.
Borrowing fundamentals
The number behind borrowing power.
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.
30-second brief
- 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.
Sources checked October 23, 2026. Summaries provide general context; confirm current program terms with the original source.
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.
loans@infinitefunding.cash