Youssef KobbiFound the right deal? Don’t let financing slow you down.
When it comes to real estate investing, finding the right opportunity is only half the battle , securing the right mortgage loan, fast, is what gets the deal done.
Whether you’re acquiring your first multifamily asset or expanding your portfolio, the wrong loan structure can cost you time, money, and momentum. That’s why investors across Canada trust Smart Capital Real Estate to structure financing that fits the deal , not the other way around.
What You’ll Learn in This Article
In this article, you’ll discover how to access fast and flexible mortgage loan options , whether you’re targeting CMHC-insured, bridge, or conventional financing. You’ll understand how Smart Capital helps investors in Ontario, Alberta, and across Canada get deals done with speed and clarity. We’ll walk you through the step-by-step process and show you why more investors trust Smart Capital. Learn more about our CMHC loans and financing services to see how we tailor solutions to fit your strategy.
In this article, you’ll explore top mortgage loan options for Canadian investors, understand CMHC eligibility, and see how Smart Capital delivers speed and structure. Explore our CMHC financing services or book a discovery call today.
And According to the Bank of Canada’s Financial System Review, tighter lending conditions are impacting commercial real estate investors across Ontario and British Columbia, increasing the demand for tailored mortgage solutions and alternative financing options.
Why Serious Investors Choose Smart Capital
We don’t just broker loans. We solve financing challenges.
👨💼 97% of investors say we simplified their financing
Our approach is tailored, not templated. From CMHC-insured loans to private bridge options, we handle the complexity , so you can focus on closing.
📞 Speak with real experts, not a call centre
Every borrower speaks directly with our in-house advisors , not bots or outsourced agents. We guide you through every step.
💬 5-star feedback from real borrowers across Canada
Whether you’re financing a 6-unit building in Ottawa, Montreal, or a 40-door project in Alberta or British Columbia, our clients rate us for our clarity, speed, and results.
💡 Solutions for CMHC, bridge, and private loans
Need 6 months of breathing room before stabilizing a building? Want to optimize leverage with insured terms? We’ll structure the right mix.
🎯 Built for deals with 5+ units
We specialize in multifamily mortgage and income-producing properties, not residential mortgages. If your deal involves complexity, we’re your team.
What You Can Expect: Step-by-Step
- Discovery Call (15–20 minutes)
Tell us about your deal, your timeline, and your capital stack. We assess options right on the call. - Tailored Financing Roadmap
Within 24–48 hours, we provide a custom plan with optimal loan options, clear timelines, and next steps. - 📝 End-to-End Mortgage Loan Management
We manage your mortgage loan process from appraisal to legal closing , so you can stay focused on the deal.
CMHC vs. Bridge vs. Conventional Loans
| Feature | CMHC-Insured Loan | Bridge Loan | Conventional Mortgage |
| Speed to Funding | 6–12 weeks | 7–14 days | 2–4 weeks |
| Loan-to-Value (LTV) | Up to 85–95% | 60–75% | 65–80% |
| Interest Rate | Lowest (government-backed) | Highest (short-term) | Moderate |
| Use Case | Long-term, stabilized assets | Interim financing during reposition or CMHC wait | Standard purchase or refinance |
| Typical Term | 5–10 years | 6–18 months | 1–5 years |
| Best For | Projects needing high leverage and low rates | Investors needing fast access to capital | Traditional buyers with bankable profiles |
Who We Work With
✅ First-time commercial investors with $250K–$500K capital
✅ Seasoned investors scaling to 50+ units
✅ Developers converting land to rental projects
✅ Property managers seeking value-add acquisitions
✅ Real estate brokers needing reliable financing partners for their clients
🔎 Real Clients, Real Results
“We were stuck in a CMHC backlog, and Smart Capital helped us secure a private bridge in 10 days. Deal closed. We’re already working with them on our next one.”
, Amir T., Investor – British Columbia
“Their team is sharp, responsive, and honest. They walked us through the entire multifamily process and helped us understand exactly what lenders were looking for.”
, Jessica B., First-time buyer – Ontario
Ready to Fund Your Deal with Confidence?
Don’t waste weeks navigating lenders or submitting generic applications. With Smart Capital, you get clarity, speed, and full support.
👈 Book your free discovery call now , takes 30 seconds
Let’s discuss your deal and match it with the right mortgage loan , commercial, bridge, or CMHC-backed.
About Smart Capital Real Estate
Smart Capital is a modern commercial mortgage Canada brokerage based in Canada, focused exclusively on multifamily and income-producing assets. Backed by real-world experience, data, and investor education, we help you finance smarter and scale faster.
Our services include:
- CMHC-insured loans
- Bridge loans (private or institutional)
- Conventional mortgages
- Portfolio refinancing
Visit smart-capital.ca to learn more.
Looking for trusted mortgage brokers in Canada? We’re here to make it simple, fast, and strategic.
👈 Get Started Now
🧠 Frequently Asked Questions
❓ How fast can I get approved for a commercial mortgage?
Approval timelines depend on the type of loan (CMHC loan, conventional, bridge loan) and the deal’s complexity. In most cases:
- Bridge loans can be approved in 7–14 days
- Conventional loans take 2–4 weeks
- CMHC-insured loans may take 6–12 weeks (we can bridge while you wait)
We always provide a clear timeline during your discovery call.
❓ What’s the minimum deal size you work on?
We typically finance multifamily mortgage deals with 5 units or more and loan amounts starting at $500K. If you’re not sure your project qualifies, just book a quick call , we’ll point you in the right direction.
❓ Can you help me even if I haven’t found a property yet?
Yes , and we recommend it. Many investors in Ontario and Quebec come to us before making an offer to:
- Understand how much they can borrow
- Optimize their equity and structure
- Get pre-qualified and negotiate stronger
We’ll help you position your next offer with confidence.
❓ I already have a lender. Why would I use Smart Capital?
Most lenders offer just their product. At Smart Capital, we:
- Compare mortgage best rates and terms across providers
- Unlock private, institutional, and CMHC pathways
- Help you structure a long-term strategy, not just a one-time deal
We’re built for flexibility, not just rates.
❓ Do I pay anything upfront?
No. You only pay us upon successful funding of your loan. Our compensation is success-based and disclosed clearly from the start.
Still Have Questions?
👈 Book your free call , no commitment, just clarity.
❓ How do mortgage loans works in canada?
In Canada, mortgage interest rates typically come in two forms: fixed and variable.
- A fixed rate remains the same throughout the term of your mortgage, providing stability regardless of market fluctuations.
- A variable rate changes based on your lender’s prime rate, meaning your interest rate, and possibly your payments, can rise or fall over time.
With a fixed-rate mortgage, your interest rate is locked in for the entire term, even if market rates increase or decrease.
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