Insights & Events

townhouses
  • Mortgage Matters ·

Retail Lending: A Match Made in Finance

Let’s face it, retail lending isn’t what it used to be. Between ecommerce, changing consumer habits, and post-pandemic curveballs, Ontario’s retail property market feels more like a game of “lease Jenga” than a straightforward financing exercise. That’s exactly why strong broker–lender collaboration matters more than ever. In a market where…
residential housing
  • Mortgage Matters ·

Why Real Estate Deals Die—and How to Keep Yours Alive

Across the market, brokers are watching deals fall apart at an alarming rate. Financing is failing at the eleventh hour. Appraisals are coming in low. Buyers are getting cold feet, and sellers are backing out. The result? Wasted time, lost commissions, frustrated clients—and fewer closings than ever. This isn’t just…
  • Construction Mortgages ·

Construction Draws Explained

A construction draw is a portion of the loan funds that are disbursed at different stages of the construction process. Rather than receiving the entire loan amount upfront, the borrower gets money in phases, tied to the completion of specific work on the project. How Does the Process Work? Before…
transport building bridge loan
  • Case Study ·

Luckhart Transport Real Estate Workout Financing

Situation: Founded in 1951, Luckhart Transport, a family-owned livestock transportation company, was facing significant financial challenges despite maintaining good credit. In need of debt consolidation and a flexible solution, the company sought a way to bridge the gap and maintain operations until refinancing could be secured. Solution: Hillmount Capital stepped…