Mixed use property

A mixed-use asset segregates the property for multiple uses that can include residential, office, retail, industrial, storage and/or retirement. Examples include a retail strip plaza with second floor offices, a retail storefront with apartments above and an industrial warehouse with office space rented separately.

Standard Financing

Standard financing offers a term of five years or more, a fixed interest rate and is typically closed to prepayment for the term’s duration.

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Short-term (bridge) financing

Bridge financing addresses a borrower’s short-term needs, usually three months to three years.

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Repositioning / Renovating

This short-term financing option enables access to a property’s equity for improvements, renovations or repairs, eliminating the need to raise funds from personal sources.

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Secondary financing

Second mortgages are often used to access equity in a property when a borrower wants to purchase another asset or renovate/repair a property.

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Development / Construction

Construction financing is available for condominiums, retail, office, industrial, retirement and purpose-built apartments. 

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Smart risk solutions in action for mixed-use

See how we’ve applied our financing products innovatively to help mixed-use borrowers achieve their goals with performance and value.

A CMHC insured first mortgage loan used to pay out the existing debt

  • $22 million
  • 89 units
  • Mississauga, Ontario
  • CMHC insured first mortgage
  • 5 years term, 40 years amortization
  • LTV: 80%

A new first mortgage used to payout the existing first and second mortgage registered on the property

  • $1 million
  • 18 units
  • Picton, Ontario
  • Conventional first mortgage loan
  • 3 years term, 25 years amortization
  • LTV: 55%

Loan used to pay out the existing financing on property and completing property improvements

  • $1 million
  • 18 units
  • Fredericton, New Brunswick
  • CMHC insured first mortgage
  • 5 years term, 25 years amortization
  • LTV: 85%

Loan used to repatriate additional equity from the current property

  • $7 million
  • 283 units
  • Sainte-Marie, Quebec
  • CMHC Insured Pari Passu First Mortgage
  • 5 years term, 27 years amortization
  • LTV: 41%

Refinancing the existing debt on the property and to provide equity for continuing capital improvements

  • $29 million
  • 227 units
  • Edmonton, Alberta
  • CMHC insure first mortgage
  • 10 years term, 25 years amortization
  • LTV: 58%

Refinancing an existing debt on a mixed-use mulit-family building

  • $2 million
  • 17 units
  • Ottawa, Ontario
  • CMHC First Mortgage Loan
  • 5 years term, 35 years amortization
  • LTV: 84%

Providing funds to pay out the existing financing with additional funds used for re-investment

  • $25 million
  • 97 units
  • Halifax, Nova Scotia
  • CMHC insured first mortgage
  • 10 years term, 30 years amortization
  • LTV: 85%

Refinancing the current loan and the existing line of credit on the property

  • $46 million
  • 236 units
  • St-Bruno-de-Montarville, Quebec
  • CMHC insured first mortgage
  • 10 years term, 35 years amortization
  • LTV: 84%

Latest resources and insights

Original perspectives and personal viewpoints on developments and industry trends in commercial real estate.

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