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.
Latest government purchase yields
5-YEAR CMB
3.182%
Trade date
10-YEAR CMB
3.891%
Trade date
Snapshot checked Sep 14, 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 market
Montréal’s housing gap just got wider.
CMHC’s latest report points to substantial rental construction, but weak ownership housing starts. The mix of new supply matters as you plan your next project.
30-second brief
- Montréal’s supply gap has grown since CMHC’s July 2025 estimates.
- Rental construction and homeownership construction are moving differently.
- Project assumptions should reflect the property type and local demand.
Rate decision
Rate held. Your next move still matters.
The Bank of Canada held its policy rate at 2.25%. It also noted higher long-term bond yields since July—an important distinction when comparing fixed and variable financing.
30-second brief
- The overnight policy-rate target remains 2.25%.
- Long-term Canadian bond yields had risen since July.
- An unchanged policy rate does not freeze every lender’s mortgage rate.
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.
- Confirm the current documentation and energy standards before applying.
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 September 14, 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