00:00

Your project, funded.

Bond market
Government of Canada · 5 yr
Government of Canada · 10 yr
U.S. Treasury · 10 yr
Commercial and multi-unit mortgage brokerage in Quebec. One point of contact from the first call to funding.
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Commercial and multi-unit financing, built on the property's real numbers.

Owners and investors

Income properties

Multi-unit buildings of 5 units or more, office, retail and industrial: purchase, refinance or equity take-out.

See financing
Developers and builders

Construction and land

Construction loans with progressive draws, land acquisition and bridge financing between two stages.

See financing

Our approach

Every file starts with the numbers, not the lender.

One point of contact, from the first call to funding.

Lenders are chosen for the project, not the other way around.

No application goes out while a document is missing.

The rigour of an actuary, the network of a broker.

Three types of financing, the same rigour.

Multi-unit, commercial or construction: the file is built from the property's real financial statements, then presented to the lenders whose criteria match the project.
Discuss your project
5 units or more

Multi-unit residential

Purchase · Refinance · CMHC

Documents to prepare
Rent roll, leases, two years of financial statements, tax and insurance bills.
Office · Retail · Industrial

Commercial and industrial

Owner-occupied · Leased

Documents to prepare
Business or property financial statements, current leases, a recent appraisal if available.
Projects

Construction and land

Construction · Land · Bridge

Documents to prepare
Detailed construction budget, plans, permits, schedule, land cost and projected income.

Rates are set in the bond market.

Benchmark yields published by the Bank of Canada and the U.S. Treasury, updated every business day. For information only.
Canada · 5 yr

0%

Government of Canada · 5 yr

Canada · 10 yr

0%

Government of Canada · 10 yr

U.S. · 5 yr

0%

U.S. Treasury · 5 yr

U.S. · 10 yr

0%

U.S. Treasury · 10 yr

Sources: Bank of Canada (benchmark bond yields) and U.S. Department of the Treasury (daily yield curve).

  • Multi-unit
  • Office
  • Retail
  • Industrial
  • Mixed use
  • Construction
  • Land
  • Refinance
  • CMHC · MLI Select
  • Bridge financing

A complete file before the first application.

Ronald Daigle builds and presents every file himself. You always know where your application stands, and lenders receive a file that reads without questions.
Discuss your project

Let's talk about your project.

Describe the property and the financing need. Ronald replies to you directly, by email or by phone. No documents are needed at this stage.
Do not include a social insurance number or banking details.

Or directly: 418 655-9026 ronald@themortgageactuary.com

Call RonaldWrite