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Multi-residential

CMHC & Conventional
25 to 40 years amortization
15% to 20% LTV

Commercial

Senior & Student Residence
Medical building & Equipment
Industrial, Shopping Plaza, Office

Construction

Land & Infrastructure
Bridge Loans & Inventory
Mezzanine & Equity

Commercial sector: Veteran shares what brokers need to focus on

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Lenders hitting pause on some construction financing in high-rate environment

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Commercial market:
What’s in store for 2023?

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Looking forward to meeting you!

Head Office
402-6505 route Transcanadienne
Saint-Laurent, QC, H4T 1S3
info@mcommercial.ca
514-748-7738

111 Gordon Baker Road, suite 200, North York, ON M2H 3R1
736 6 Avenue SW, suite 1010, Calgary, AB T2P 3T7
2950 Glen Dr, suite 601, Coquitlam, BC V3B 0J1

Licences:♦ Quebec: AMF# 3002803823
♦ Ontario: FSRA# 12020
♦ Alberta: RECA# 00486248
♦ British Columbia: BCFSA# X300049
♦ Manitoba: MSC# RW-1511017
♦ Newfoundland: NL# 25-07-73001-2
♦ New Brunswick: FCNB# 230019405

Peter is a seasoned commercial mortgage financing professional with more than 45 years of industry experience. His distinguished career includes senior roles with national mortgage brokerage firms, Canada-wide lending responsibilities at a major Canadian financial institution, and specialized mortgage and underwriting consulting assignments for Canadian banks and accounting firm.
Throughout his career, Peter has developed extensive expertise in structuring and securing both conventional and complex commercial financing transactions. His broad experience across lending, underwriting, brokerage, and consulting provides him with a comprehensive understanding of how financial institutions assess risk and structure credit solutions.
Drawing on a diverse network of institutional, private, and alternative capital sources, Peter works closely with clients to understand their objectives and align their financing requirements with the most appropriate lenders and solutions. His strategic approach, sound judgment, and extensive industry relationships enable him to guide borrowers through complex transactions and help them secure financing tailored to their specific needs.

• pdardarian@mcommercial.ca

• (647) 588-8700

• English

Licences:
Ontario: FSRA# M08004696 - Broker

Sheldon’s unwavering focus and dedication have been defining qualities throughout his academic and professional journey. From being named valedictorian of his high school graduating class and receiving the Governor General’s Award to earning a Bachelor of Commerce in Finance with honours from Concordia University’s John Molson School of Business, he has consistently demonstrated a strong commitment to excellence.
These qualities naturally carried into the demanding field of commercial real estate financing. Sheldon has helped clients navigate complex mortgage transactions and secure financing for significant housing developments that have contributed much-needed residential supply to communities across Canada.
Honesty, transparency, and integrity are at the foundation of every client relationship he builds. His commitment to clear communication and dependable service has helped strengthen client confidence and contribute to a more positive perception of the commercial mortgage brokerage industry.
With nearly ten years of experience as part of the MCommercial team, Sheldon continues to deliver thoughtful, strategic, and results-driven service that creates a meaningful impact in the commercial mortgage sector.

• swright@mcommercial.ca

• (514) 295-1034

• English | French

Licences:
Ontario: FSRA# M23005065 - Agent Level 1

Thomas earned his Bachelor of Commerce, specializing in Finance and Economics, in 2014, graduating with distinction. He began his career as a Compliance Officer at RBC, where he developed strong analytical expertise by reviewing financial covenants across a broad range of industries.Building on this foundation in banking and commercial lending, Thomas joined MCommercial as an Underwriter. As he advanced in his role, he developed a particular expertise in multi-residential financing and obtained his mortgage brokerage licences in both Ontario and Quebec, expanding his ability to serve clients across provincial markets.Today, Thomas focuses primarily on construction and multi-residential financing throughout Ontario and Quebec. He has developed significant expertise in CMHC-insured lending, guiding borrowers through the complexities of CMHC programs and structuring financing solutions tailored to multi-residential developments and construction projects.With his cross-provincial licensing and extensive knowledge of financial covenants, underwriting, construction financing, and CMHC requirements, Thomas is a trusted resource for clients at every stage of a project, from initial planning and financing through construction and completion.

• tlemmo@mcommercial.ca

• (514) 699-0728

• English | French

Licences:
Quebec: AMF# 3001927121
Ontario: FSRA# M18002166 - Agent Level 2

André is a seasoned commercial real estate financing professional with more than 40 years of experience in lending, investment, mortgage syndication, and brokerage. He holds a Bachelor of Arts in Real Estate Appraisal and Urban Geography, as well as an MBA specializing in real estate finance. Early in his career, he also taught real estate finance at McGill University.André developed his lending expertise through senior roles with Morguard Trust, Morgan Trust, and Financial Trustco, where he served as Regional Vice-President. During this period, he gained extensive experience in real estate financing, mortgage syndication, participation loans, and mezzanine financing.In 1991, André acquired the assets of Prêts Québeco inc., a private mortgage lending firm established in 1960, and subsequently became its President. Through this role, he further developed his expertise in construction lending, term financing, equity and mezzanine financing, joint ventures, land acquisitions, and complex mortgage structures.Since joining MCommercial in 2020 as a Commercial Mortgage Broker, André has continued to advise property owners, investors, and developers on customized financing strategies. He brings particular expertise to condominium development and construction projects, helping clients structure construction loans, equity financing, joint ventures, and land acquisition facilities suited to the specific requirements of each transaction.His extensive experience as both a lender and advisor enables him to assess opportunities from multiple perspectives, anticipate financing challenges, and guide clients toward practical solutions designed to move their projects forward.

• apgagnon@mcommercial.ca

• (514) 894-0320

• English | French

Licences:
QC AMF# 3001981400

Nicola (Nick) Lemmo is a licensed Mortgage Agent/Broker in Quebec. He holds a bachelor of arts degree in Economics from McGill University. He has a vast experience in the financing of Real Estate transactions having worked for numerous years at several major financial institutions and Credit Unions in Canada such as Royal Bank of Canada. His specialty is construction financing as well as multi-residential and commercial properties. Finding innovative solutions to financing and assisting clients achieve their objectives is his main focus.

• nlemmo@mcommercial.ca

• (514) 824-8977

• English | French | Italian

Licences:
Quebec: AMF# 2000212529

Bin was born and raised in Shandong, China and moved to the US to pursue a Masters of Computer Science in 1999. In 2000, he immigrated to Canada, and settled in Edmonton. Bin purchased his first investment property in 2005 and developed a passion for real estate investment. He became a licensed commercial and investment real estate broker and commercial mortgage broker. Since 2010, Bin has been serving clients in the real estate industry, including multi-residential, commercial, industrial, construction and land projects. Bin strives to help clients with all their commercial financing needs for projects across Canada.

• bli@mcommercial.ca

• (780) 938-3868

• English

Licences:
AB: RECA

Omar Soufi is a commercial real estate financing specialist with more than 18 years of industry experience. Since joining MCommercial in 2013, he has helped property owners, investors, and developers structure and secure financing solutions tailored to their projects and long-term objectives.With a primary focus on commercial real estate, Omar brings the insight and strategic understanding required to structure innovative financing solutions across a broad range of asset classes, including raw land, multi-residential, retail, office, industrial, and hospitality properties. His expertise encompasses acquisition and construction financing, land and project development, term and interim mortgages, refinancing, mezzanine financing, equity solutions, and CMHC-insured financing.Having sourced commercial real estate financing since 2008, Omar understands the unique challenges encountered by developers and property owners throughout every stage of a transaction. He carefully evaluates each project, identifies the most appropriate financing structure, and connects clients with lenders whose criteria and products align with their specific needs.Over the course of his career, Omar has established extensive relationships with banks, institutional lenders, credit unions, mezzanine lenders, private lenders, and investors across Canada. These relationships, combined with his underwriting expertise and thorough knowledge of lender requirements, allow him to present well-structured applications and pursue competitive financing solutions.Based in Calgary, Omar serves clients throughout Alberta, the Prairies, and across Canada. His practical, results-oriented approach and commitment to client service have made him a trusted financing partner for borrowers navigating complex commercial real estate transactions.

• osoufi@mcommercial.ca

• (403) 870-9515

• English | French | Arabic

Licences:
Alberta: RECA# MW-1011135
Ontario: FSRA# M23007131 - Agent Level 1

Since joining MCommercial in 2018, Lino has brought extensive experience in commercial real estate lending, financial advisory, and mortgage brokerage. He specializes in structuring financing for construction, land acquisition and development, commercial properties, and multi-residential projects.
Lino’s expertise is strengthened by his experience on both the lending and borrowing sides of the industry. Before joining MCommercial, he served as Principal Director of Construction Financing at Centria Financial, now known as Fiera Capital, where he evaluated and structured financing for complex construction and real estate development projects.
In addition to his role at MCommercial, Lino serves as Vice-President of Finance at Investissement Ray Junior, a prominent builder and real estate developer based in Mirabel. He is responsible for overseeing and securing the financing for the company’s portfolio of development and construction projects, giving him valuable first-hand insight into the financial requirements and challenges faced by builders and developers.
Throughout his career, Lino has established strong relationships with institutional and private lenders, investors, builders, and real estate developers. His broad industry perspective enables him to assess each transaction strategically, anticipate potential challenges, and structure financing solutions tailored to the specific needs of every project.
By combining his lending background, development experience, and extensive network, Lino helps clients navigate complex financing requirements and secure the capital needed to move their projects successfully from acquisition and planning through construction and completion.

• lbouthillier@mcommercial.ca

• (514) 594-6548

• English | French

Licences:
Quebec: AMF# 3002168591
Ontario: FSRA# M19001945

Since joining MCommercial in 2016, Marion has played an integral role in the firm’s national brokerage operations as an Underwriter and Commercial Mortgage Agent. She specializes in commercial mortgage financing exceeding $2.5 million, CMHC-insured financing for multi-residential properties with five or more units, and end-to-end account management.
Marion works directly with established commercial builders and developers to structure and place land acquisition, development, and construction financing with MCommercial’s preferred lending partners. Her commitment, experience, and solution-oriented approach are especially valuable when managing complex or challenging transactions.
She finds the industry particularly rewarding and takes great pride in helping land investors and developers achieve their goals. By connecting clients with suitable lenders and financing products, Marion contributes to the development of affordable, accessible, and energy-efficient housing.
Before joining MCommercial, Marion built an accomplished 34-year career with BMO Financial Group, holding various management and credit positions. More than 25 of those years were spent in senior management roles within commercial banking, providing her with extensive expertise in credit analysis, relationship management, and commercial financing.

• mcook@mcommercial.ca

• (905) 536-2665

• English

Licences:
Ontario: FSRA# M16002703 - Agent Level 2

Henri brings more than 40 years of experience in the financial services industry. He began his career in banking, holding various positions in credit, investments, and management at several major chartered banks and trust companies.
In 2000, Henri transitioned into the mortgage brokerage industry, where his extensive financial knowledge and leadership experience quickly established him as a respected professional. Today, as Senior Executive Director of MCommercial, he remains an invaluable source of knowledge, guidance, and inspiration to professionals throughout the industry.
Henri is especially committed to mentoring the next generation of mortgage professionals, generously sharing the knowledge and passion he has developed over the course of his distinguished career. Through his wisdom, patience, and approachable nature, he has become a trusted mentor to many newcomers and established professionals across the Quebec market.
As he passes the torch to the next generation, Henri continues to set a high standard for professionalism, integrity, and transparency, leaving a lasting impact on both MCommercial and the broader mortgage brokerage community.

• hzacharie@mcommercial.ca

• (514) 592-9085

• English | French

Alexander is a Montreal‑based Commercial Mortgage Broker and Head of Underwriting whose career in real estate financing began in 2015. Starting as an underwriter provided him with a deep technical foundation in analyzing, structuring, and assessing a wide range of commercial real estate transactions. This early experience shaped his ability to evaluate risk, understand lender requirements, and navigate the complexities of financing across multiple asset classes.In 2019, Alexander transitioned into a full‑time mortgage agent, expanding his role from behind‑the‑scenes underwriting to client‑facing advisory work. His comprehensive expertise across the Canadian commercial real estate financing landscape has earned him notable industry recognition, including being named a 2022 CMP Rising Star and receiving two nominations for Commercial Mortgage Broker of the Year at the Canadian Mortgage Awards.Fluent in both French and English, Alexander specializes in structuring tailored financing solutions for investors, developers, and operators. He has developed a strong focus on construction financing, guiding clients through development loans, CMHC‑insured products, and complex capital stacks involving multiple lenders. He is known for his ability to break down intricate financing scenarios, anticipate lender expectations, and support clients through every stage of the process with clarity and precision.As Head of Underwriting, Alexander oversees the analytical and due‑diligence components of the financing process, ensuring every file is meticulously prepared and positioned for approval. As a broker, he leverages strong lender relationships and market knowledge to negotiate competitive terms and deliver strategic solutions aligned with each client’s goals.Across Canada, Alexander has facilitated numerous commercial transactions, ranging from multi‑residential and industrial assets to mixed‑use developments and purpose‑built rental projects. His dual background in underwriting and brokerage gives him a unique perspective that blends technical expertise with practical deal‑making ability.Known for reliability, strategic thinking, and a commitment to excellence, Alexander approaches every file with the goal of creating long‑term value for his clients. Whether navigating complex construction financing or securing optimal terms for stabilized assets, he is dedicated to supporting successful real estate outcomes and building lasting partnerships.

• adurand@mcommercial.ca

• (514) 240-2716

• English | French

Licences:
Quebec: AMF# 3001928718
Ontario: FSRA# M16002923 - Agent Level 2

Christianne brings more than 15 years of experience in real estate, including over a decade specializing in commercial real estate financing. Since joining MCommercial in 2014, she has become an integral part of the firm’s leadership, serving as the CEO’s direct second-in-command and overseeing the company’s day-to-day operations and business activities across Canada.Working closely with the CEO, Christianne contributes to corporate strategy, executive decision-making, organizational priorities, business growth, and company-wide initiatives. She leads operations, administration, financial oversight, regulatory compliance, business development, and marketing, translating the firm’s strategic objectives into effective policies, procedures, internal controls, workflows, and operational priorities.Her responsibilities extend across every aspect of the organization, budgeting, invoicing, collections, licensing, and FINTRAC/AML, Canada-Wide compliance. She also oversees the development of corporate policies, contracts, internal forms, CRM systems, compliance programs, and process improvements designed to strengthen efficiency and support the firm’s continued growth.Christianne plays a central role in building and maintaining relationships with clients, brokers, referral partners, and other industry professionals. Through her creativity, determination, and commitment to service, she has helped introduce new lead-generation channels, expand MCommercial’s national reach, and contribute to significant business growth. In addition, she is responsible for all administrative reporting for the organization as well as all KPI reporting.Known for her strong work ethic, responsiveness, and ability to navigate complex and sensitive matters, Christianne consistently goes above and beyond to support the firm’s clients, partners, and team. Her leadership reflects MCommercial’s commitment to making each client’s vision its mission.

• csaab@mcommercial.ca

• (514) 224-0376

• English | French | Arabic

Licences:
Quebec: AMF# 3001925098, OACIQ# E1165

Alen Lurye is a commercial mortgage broker at MCommercial, specializing in income-producing commercial real estate across asset classes: multifamily, retail, industrial, and construction financing, with particular depth in CMHC-insured lending and the MLI Select program.His approach is shaped by having worked both sides of a file. Underwriting experience taught him exactly what lenders and CMHC need to see, and why deals stall when they don't see it. As a broker, that knowledge gets applied in reverse: structuring applications to anticipate questions before they're asked. Whether the asset is a mid-rise rental, a retail plaza, or an industrial facility, clients get more than a submission; they get a clear-eyed assessment of how structure, terms, and program commitments will actually affect proceeds, amortization, and long-term returns.A background in leasing and property management, along with a Bachelor of Finance from Concordia University, graduated with distinction, rounds out the picture: properties understood as operating businesses, not just line items on a term sheet.Files run through his desk are organized, transparent, and built to close. It's a standard clients notice, and one that lenders have come to count on.

• alurye@mcommercial.ca

• 514-833-3545

• English | French | Hebrew | Russian

Licences:
Quebec: AMF# 3002780633

Samuel Courcelles is a Commercial Mortgage Broker at MCommercial, specializing in real estate development and construction financing. Drawing on a background in competitive athletics, international education, and commercial banking, he approaches every mandate with discipline, strategic insight, and a strong commitment to achieving results.Samuel’s early years in competitive hockey led him to pursue his education in the United States, first at St. Paul’s School and later at Colby College. Upon returning to Canada, he earned a Bachelor of Business Administration from HEC Montréal.Before joining MCommercial, Samuel spent eight years with Desjardins, where he developed extensive experience in commercial lending before specializing in construction financing. This foundation provided him with a comprehensive understanding of credit, financial structuring, and the complexities involved in financing real estate development and construction projects.Today, Samuel works closely with developers, investors, and business owners to structure and secure financing solutions tailored to their projects and long-term objectives. Known for his strategic approach and commitment to client service, he places particular importance on building lasting, results-driven relationships.Passionate about business development and strategic partnerships, Samuel takes pride in helping clients navigate complex financing requirements and successfully bring their projects to life.

• scourcelles@mcommercial.ca

• 514-250-2700

• English | French

Licences:
Quebec: AMF# 3003135553

Michel holds a Bachelor of Commerce in Finance and Marketing from Concordia University. With more than 35 years of experience in the financial services and commercial mortgage industries, he has built and led MCommercial into one of Canada’s most active firms dedicated exclusively to commercial mortgage brokerage.Michel began his financing career with several Schedule I banks, including National Bank of Canada, Laurentian Bank, and BMO. These roles provided him with a strong foundation in banking, credit, and commercial financing before he entered the commercial mortgage brokerage industry in 2001. He has also served on the board of directors of a venture capital fund and participated in various boards of trade.For more than two decades, Michel has focused on expanding MCommercial’s national presence and strengthening its reputation for professionalism, integrity, and industry expertise. His achievements have been consistently recognized by his peers through numerous national awards and nominations, including multiple Commercial Broker of the Year honours and induction into the Canadian Mortgage Professionals Hall of Fame. AS well as regular inclusion in the Global 100 top Mortgage professionals which complies the list of the most prominent mortgage and lending professional around the world.As a respected industry expert, Michel is regularly invited to provide commentary on current market conditions and the future outlook of the commercial mortgage sector. His extensive experience gives him a clear and practical understanding of the challenges and opportunities facing borrowers, lenders, investors, and developers in an evolving financial environment.Michel is committed to keeping participants throughout the commercial mortgage industry informed of the economic, regulatory, and market developments affecting both borrowers and lenders. By closely monitoring market trends and maintaining strong relationships across the lending community, he helps clients identify opportunities and structure financing strategies suited to their objectives.Michel is a member of Mortgage Professionals Canada and holds mortgage brokerage licences across Canada, including in British Columbia, Alberta, Manitoba, Ontario, Quebec, New Brunswick, and Newfoundland and Labrador.

• mdurand@mcommercial.ca

• 647-968-4181

• English | French

Licences:
QC: AMF# 3001963082 / OACIQ# D1682
ON: FSRA# M11000964 – Principal Broker
AB: RECA# MW-1210986
BC: BCSFA# 500416
NL: NL# 25-08-MD223-1
NB: FCNB# 250050684
MB: MSC# RW-1511017