Specialized in construction loans, multifamily residential financing, and CMHC-insured mortgage solutions. Helping developers and investors across Ontario bring their projects to life.
Bank of Canada
Current Rates
5-Year Gov't Bond
5-Year CMB
Prime Rate
From ground-up construction to multifamily acquisitions, we provide specialized financing solutions backed by deep relationships with CMHC and institutional lenders.
End-to-end construction loan solutions for new builds, from land acquisition through to project completion. Progress draw schedules tailored to your build timeline.
Specialized financing for apartment buildings, townhouse complexes, and mixed-use developments. We structure deals for 5+ unit properties with competitive terms.
Access lower rates and higher leverage through CMHC mortgage insurance programs. We navigate the MLI Select and other CMHC programs on your behalf.
Purpose-built rental financing for developers creating new rental housing stock. Leverage CMHC's favourable terms for purpose-built rental projects.
Short-term capital solutions to bridge the gap between construction completion and permanent take-out financing or stabilization.
Transition from construction loans to long-term permanent financing with optimal terms. We secure the best rates for stabilized multifamily assets.
A streamlined process designed for developers and investors who need reliable, efficient financing for complex projects.
We review your development plans, pro forma financials, and project feasibility to determine the optimal financing structure.
We match your project with the right lender — whether CMHC-insured, conventional, or alternative — based on your project type and timeline.
Our team manages the full underwriting process including CMHC applications, appraisals, environmental reports, and cost consultant reviews.
Once approved, we coordinate funding and manage construction draw schedules, progress inspections, and milestone disbursements through to completion.
Get a preliminary estimate for your construction or multifamily project. Actual terms depend on project specifics and lender requirements.
Estimated Monthly Debt Service
Principal & Interest
*Estimates are for illustrative purposes only. Actual rates and terms vary based on project specifics, borrower qualifications, and market conditions.
I'm Keith Macintosh, a Level 2 Mortgage Agent with Referral Mortgages, specializing in construction and multifamily residential financing. Based in Ottawa, I help developers and investors navigate complex financing structures, CMHC programs, and institutional lending requirements to bring their projects to life.
Whether you're building a 10-unit townhouse complex or a 200-unit purpose-built rental, I structure financing that maximizes leverage, minimizes cost of capital, and keeps your project on track.
Tell us about your construction or multifamily project and we'll provide a preliminary financing assessment within 24 hours.
Office Address
1320 Carling Ave
Suite 205
Ottawa, ON
Phone
Business Hours
Mon – Fri: 8:00 AM – 6:00 PM
Sat: By Appointment
Sun: Closed