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OUR SERVICES

Private Mortgages

We act for private mortgage lenders in Ontario closing hundreds of private mortgages per year. 

We work with, and have helped build, lending groups/funds with portfolios that range from as low as $10 million to well over $50 million in private mortgages each year. We have a team of staff dedicated only to overseeing private mortgage transactions and can assist with all facets of your private mortgage lending business.

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Residential Private Mortgages

  • Drafting all documentation required to create a valid mortgage registered on title

  • Advising lenders on the drafting and negotiation of commitment agreements

  • Negotiating creative strategies to complete transactions

  • Dealing with problematic issues including; prior collateral charges, CRA liens, work orders, residential leases, off-title owners, guarantors, purchase-mortgages with prior encumbrances etc

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Construction Mortgages

  • Ensuring sufficient documentation is prepared to enable the lender to take-over the project on enforcement if necessary

  • Ensuring compliance with the Construction Lien Act

  • Dealing with lien claimants before and after closing

  • Advising on holdbacks under the Act, priority issues, and other pitfalls

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Commercial & Development Mortgages

  • Advising on prior leasehold interests

  • Determining future development use when required

  • Determining issues such as access, zoning, ensuring environmental compliance etc.

  • Drafting and completing general security agreements, PPSA, Assignment’s or Rents

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Compliance & Regulatory Issues

  • Advising on the Mortgage Brokers Act

  • Reviewing compliance issues with FSCO

  • Structuring MIC’s to ensure compliance with Securities Act

  • Ensuring your mortgage for compliance with the Interest Act

  • Advising on compliance with the Mortgages Act

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Contact

Grechi Carter Professional Corporation

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1 Eglinton Ave East, Suite 803

Toronto, Ontario M4P 3A1

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Phone: 416-900-3865

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Fax: 647-494-9758