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Client Advisory Memo — CMHC Advice 268

December 10th, 2025 Introduction On November 28, 2025, CMHC announced changes in Advice No. 268 affecting documentation requirements, completion take-out financing, MLI Select energy efficiency criteria, and rental achievement holdbacks. Below is a summary of what’s changed, along with tables comparing the old and new requirements for each category.  CMHC

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Servicing

We stay involved. Ongoing support ensures your success beyond the close.

Funding

Capital delivered – expertly managed by our team to ensure seamless cash flow between all parties.

Commitment

Terms are locked. You gain clarity, confidence, and momentum.

Approval

We move fast. Our lender relationships enable swift, decisive approvals.

Consultation

We listen first. Your goals drive the strategy – from structure to execution.

Underwriting

We underwrite with precision and conviction – seeing every risk, seizing every advantage.

Industrial

We support the growing demand for logistics, warehousing, and manufacturing space with financing solutions tailored to modern industrial needs. As experienced commercial mortgage brokers we work with developers and investors to secure funding for everything from ground-up construction to refinancing stabilized assets. Whether you’re working with a construction lender or seeking long-term financing, we are a trusted source of commercial mortgages in Canada for industrial properties.

Senior Housing

We provide specialized financing for senior living communities, from independent to assisted living and long-term care. As expert commercial mortgage brokers, we navigate the regulatory, operational, and demographic complexities of this sector. Whether securing a construction lender for new builds or refinancing established assets, we’re a trusted source for commercial mortgages in Canada, delivering strategic capital for senior housing projects.

Student Housing

We structure tailored financing for purpose-built student accommodations nationwide. As experienced commercial mortgage brokers, we understand the distinct leasing cycles, occupancy profiles, and institutional demand that define this asset class. Whether securing a construction lender for new development or refinancing stabilized assets, we deliver competitive commercial mortgages in Canada built for student housing performance.

Mixed-Use

As seasoned commercial mortgage brokers, we specialize in capital solutions for complex, multi-dimensional projects blending residential, retail, office, and more. Whether you’re breaking ground or refinancing, we’ll match you with the right construction lender or term financing – delivering tailored commercial mortgages in Canada that meet the scale and complexity of your vision.

Development

From land acquisition to construction, we partner with developers to deliver financing that aligns with every phase of the project lifecycle. As experienced commercial mortgage brokers, we structure deals for complex builds and connect you with the right construction lender or long-term capital. With a track record across asset classes, we’re a leading source of commercial mortgages in Canada – positioning your project for success from the ground up.

Office & Retail

From urban office towers to suburban retail plazas, we deliver financing solutions that align with today’s evolving commercial landscape. As seasoned commercial mortgage brokers, we help clients navigate everything from repositioning and redevelopment to acquisition and refinancing. Whether you’re working with a construction lender or pursuing long-term financing, we provide strategic access to commercial mortgages in Canada for both office and retail assets.

Hotel/Motel

We provide tailored financing for hospitality assets across Canada, from boutique hotels to national motel chains. As experienced commercial mortgage brokers, we understand the operational complexities of the hospitality industry, including seasonality, occupancy risk, and brand affiliation. Whether you’re seeking a construction lender for a new build or refinancing an existing property, we’re a trusted partner for commercial mortgages in Canada that align with your investment goals.

Land

Whether acquiring vacant land or unlocking value through rezoning and servicing, we deliver strategic financing aligned to your project’s timeline and vision. As expert commercial mortgage brokers, we secure capital for land banking, entitlement, and early-stage development. With deep access to construction lenders and private capital, we’re a go-to source for commercial mortgages in Canada across all land investment strategies.

Multi-Family Residential

As leading commercial mortgage brokers, we finance everything from condo and strata developments to purpose-built rentals and large-scale apartment buildings. Whether you’re securing a construction lender or sourcing long-term capital, we deliver best-in-class commercial mortgages in Canada.