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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

Mike was born and raised in Montreal and, after 10 years in Toronto, moved to Vancouver in 1980. In 1994, he received his certification as a Certified General Accountant. Along with his 13 years of experience as an accountant, Mike worked as a Chief Financial Officer for two corporations from 1994 to 2010. In 2010, he relocated to Vancouver Island, where he is now a licenced commercial and investment realtor in both British Columbia and Alberta. Further, he is also a licenced commercial mortgage broker in B.C. and Alberta. Being a Chartered Professional Accountant allows him to bring excellent financial, analytical and negotiation skills to the table. Combined with his 45 years of extensive business experience, Mike’s specialties are multi-family rental properties and mobile home parks and strives in helping his buyers avoid B.C.'s draconian taxes and residential rent controls by buying in Alberta.

• mikemullin@mcommercial.ca

• (250) 650-6560

• English

Licences:
B.C.: BCFSA# 146276

Mary Grace is a seasoned professional in the financial industry with an impressive 15-year track record in underwriting and lending. With a dedicated focus on commercial lending in recent years, Mary Grace has honed the expertise in navigating the intricacies of this dynamic sector. Driven by a passion for delivering exceptional service and tailored solutions, Mary Grace is committed to assisting clients in achieving their commercial real estate financing goals. Her sharp insights, extensive experience, and unwavering dedication enables her to provide unparalleled guidance and support to businesses seeking funding for property acquisitions, refinancing, and development projects. With a client-centric approach, Mary Grace understands the unique challenges and opportunities that businesses encounter in the commercial lending landscape. Her goal is to work closely with each client, providing personalized solutions that align with their specific objectives and drive their commercial ventures forward. Whether it's analyzing financial needs, exploring loan options, or guiding clients through the entire lending process, Mary Grace is dedicated to providing an exceptional experience.

• marygrace@mcommercial.ca

• (416) 912-1261

• English

Licences:
Ontario: FSRA# M12000669 - Agent Level 2

Paul has worked over 20 years in the mortgage, commercial and private lending industry. He completed three years as a Residential Mortgage Agent at First Equity Financial, along with 15 years as a Private Commercial Mortgage Agent at First Source Mortgage Corporation. In addition, he has co-participated in many mortgage syndications for many years prioritizing his clients’ needs and objectives. His accumulated experience in the industry has allowed him to be specialised in lands moving forward, through Site Plan Approvals, and moving on to Construction.

• pdardarian@mcommercial.ca

• (416) 587-1250

• English

Licences:
Ontario: FSRA# M08006964 - Agent Level 2

Peter specializes in commercial mortgage financing with over 45 years experience including: National mortgage brokerages; Canada wide lending at major Canadian financial institution; Mortgage/Underwriting related consulting for Canadian banks and accounting firm. His goal is to align clients’ needs for high grade and complex financing transactions with his numerous and varied capital sources.

• pdardarian@mcommercial.ca

• (647) 588-8700

• English

Licences:
Ontario: FSRA# M08004696 - Broker

Holding a master’s degree in telecommunications, Christophe Meeùs worked for more than a decade in the IT industry before transitioning to the world of real estate. In 2019, he became a real estate investor by purchasing his first multiplex. He then developed a true passion for real estate, especially for the areas of optimization and financing. Christophe has always taken advantage of his past experiences to better serve his customers. He continues to build his property portfolio using a strategy based on optimizing income as well as a positive return.

• cmeeus@mcommercial.ca

• (514) 651-1246

• English | French

Licences:
Quebec: AMF# 3002027707

Sheldon graduated with Honors at Concordia University and holds a bachelor’s degree in finance with a minor in marketing. He worked in the public media industry for 6 years prior to fully transitioning to the financial sector. With an attention to detail, he has been working as a commercial mortgage underwriting for 6 years with MCommercial. As he continues his duties in underwriting, he also started working as a mortgage broker.

• swright@mcommercial.ca

• (514) 295-1034

• English | French

Licences:
Ontario: FSRA# M23005065 - Agent Level 1

Thomas completed his Bachelor of Commerce with a specialty in Finance and Economics in 2014. He graduated with distinction. After completing his studies, he worked as a compliance officer with RBC where he specialized in analyzing financial covenants for various industries. With a strong background in banking as well as commercial lending, Thomas began his career with MComemrcial as an underwriter. After learning his role and specializing in multi-family, he decided to obtain his license in Ontario and Quebec in order to grow and expand his skills.

• tlemmo@mcommercial.ca

• (514) 699-0728

• English | French

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

André holds a B.A. in real estate appraisal and urban geography. He specialized in real estate finance and obtained an M.B.A. in this field. He briefly taught this discipline at McGill University before leaving for Vancouver. André was a real estate Lender with Morguard, Morgan Trust, and Financial Trustco where he was regional V.P. In 1991 he made the acquisition of the assets of Prêts Québeco inc., a private mortgage lender since 1960, where he became President. He has continually developed his expertise in construction lending, mezzanine financing, term loans, mortgage syndications, and brokerage.

• apgagnon@mcommercial.ca

• (514) 894-0320

• English | French

Licences:
QC AMF# 3001981400

Nicola (Nick) Lemmo is a licensed Mortgage Agent/Broker in Ontario and 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:
Ontario: FSRA# M17000187 - Agent Level 2
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

Mike was born and raised in Montreal and, after 10 years in Toronto, moved to Vancouver in 1980. In 1994, he received his certification as a Certified General Accountant. Along with his 13 years of experience as an accountant, Mike worked as a Chief Financial Officer for two corporations from 1994 to 2010. In 2010, he relocated to Vancouver Island, where he is now a licenced commercial and investment realtor in both British Columbia and Alberta. Further, he is also a licenced commercial mortgage broker in B.C. and Alberta. Being a Chartered Professional Accountant allows him to bring excellent financial, analytical and negotiation skills to the table. Combined with his 45 years of extensive business experience, Mike’s specialties are multi-family rental properties and mobile home parks and strives in helping his buyers avoid B.C.'s draconian taxes and residential rent controls by buying in Alberta.

• mikemullin@mcommercial.ca

• (250) 650-6560

• English

Licences:
BC: BCFSA# 146276

Omar Soufi is a dedicated commercial real estate financing specialist. He has been a Commercial Mortgage Agent with MCOMMERCIAL for over 10 years and has been successfully sourcing real estate financing solutions for developers and owners since 2008. WIth a focus on commercial real estate, Omar has the insight, experience and understanding that allow him to structure innovative mortgage facilities that benefit borrowers across all commercial asset classes. Adept at recognizing the challenges facing real estate developers and owners, he has forged extensive relationships with lenders who are capable of providing financing solutions tailored to the specific goals of the project and the property. Based in Alberta, Calgary, Omar excels at structuring and sourcing construction and acquisition financing, term mortgages, mezzanine facilities and CMHC financing for projects throughout the Prairies and across Canada.

• osoufi@mcommercial.ca

• (403) 870-9515

• English | French | Arabic

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

Lino has been in the business of commercial mortgage financing for several years as a lender and consultant. Lino has extensive experience in the various types of financing: construction finance, land finance, commercial and multi-housing finance and others. Over the years Lino has developed excellent business relationships with various institutional and private mortgage lenders, real estate developers and developers.

• lbouthillier@mcommercial.ca

• (514) 594-6548

• English | French

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

Since joining MCommercial in 2016, Marion has been integral in our National Brokerage Operations as an Underwriter and Commercial Mortgage Agent, with specific expertise in Commercial Mortgage Financing with over $2,500,000, and CMHC Multi-Res. 5+ unit Underwriting, and end-to-end Account Management. She works directly with established Commercial Builders & Developers in placing their Land/Development and Construction Financing with our preferred Lenders. With complex and challenging files,, she brings a level of commitment and expertise to their projects that is valued and respected. Overall, the Industry remains rewarding, as she obtains much satisfaction from assisting Land Investors and Developers achieve their goals by providing access to Lenders and products that provide Affordable/Accessible and Energy Efficient Housing. Previous experience -BMO Financial Group - 34 year Career in Management & Credit Roles with over 25 years in Senior Management, Commercial Banking.

• mcook@mcommercial.ca

• (905) 536-2665

• English

Licences:
Ontario: FSRA# M16002703 - Agent Level 2

Henri has worked in the financial industry for over 40 years. He started his career in the Banking world and worked at several major chartered banks and trust companies where he held various positions in credit, investment, and management. In the year 2000, he transitioned to the Mortgage Brokerage community. Currently, he is the senior executive director of MCommercial, where he continues to be an invaluable source of information and motivation to so many people in the industry, but mostly the newcomers who benefit and grow from his knowledge and passion for the industry. Henri is passing the torch and setting the bar for professionalism, integrity, and transparency, and his wisdom, patience, and humble nature, make him an easy go-to mentor to so many in the Quebec market.

• hzacharie@mcommercial.ca

• (514) 592-9085

• English | French

In 2015, Alex started his career in as an Underwriter/Analyst at MCommercial. With 9 years in the mortgage industry, he obtained his Ontario mortgage agent license and his Quebec mortgage broker license in 2016 and 2017 respectively. He pursued his commercial real estate financing career by becoming a full-time mortgage agent in 2019. From the beginning, he has dedicated his time and effort into perfecting his knowledge and learning from the industry experts to serve the market properly. Alex has developed an expertise in Condominium and MUR Construction financing as well as CMHC-insured financing allowing him to assist and support builders across the country by meeting their financing needs from land acquisition until delivery or stabilization.

• adurand@mcommercial.ca

• (514) 240-2716

• English | French

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

Christianne has over 15 years of Real Estate experience. In 2014, she chose to focus on Commercial real estate financing, and has been at the helm of the marketing and operations departments ever since. Christianne has been leading the Business Development & Marketing, Administration, Structuring and implementing Policies and Procedures, and contributing to the development of tailor-made CRMs. It has been challenging to stand-out in Commercial Real Estate Financing, but her dedication for the market has allowed her to enjoy every aspect of the journey and thrive through it with much creativity. She has generated extensive increase in sales growth over the past years and expects to continue that growth through various marketing strategies, she implemented new channels of leads across Canada. The relationships she built with either direct clients or professionals within our industry, admire her work of ethics, engagement and how she always goes out of her way to accommodate everyone's needs. Hard work and determination, drives our line of business, she inspires us to make the clients’ vision, our mission.

• csaab@mcommercial.ca

• (514) 224-0376

• English | French | Arabic

Licences:
Quebec: AMF# 3001925098, OACIQ# E1165

Alen Lurye is a commercial mortgage broker and underwriter at MCommercial, specializing in financing solutions across a wide range of asset classes, including multifamily, industrial, construction, and CMHC-insured loans. With a background in leasing and property management, combined with a Bachelor of Finance from Concordia University (graduated with distinction), Alen brings a well-rounded perspective to every deal. Known for his analytical mindset and clear communication, he works with investors, developers, and business owners to structure financing that supports long-term success.

• 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 and construction financing. With a background rooted in competitive hockey and international education, Samuel has built a career grounded in performance, discipline, and strategic thinking.His early years in competitive hockey led him to study in the U.S. at St. Paul’s School and Colby College, before returning to Canada to complete a Bachelor’s degree in Business Administration at HEC Montréal.He spent eight years at Desjardins, where he first focused on commercial lending before moving into construction financing. This experience equipped him with a deep understanding of the financial landscape and the ability to build customized solutions for businesses.Today, at MCommercial, Samuel continues to support companies in structuring and securing financing, with a strong emphasis on building long-term, results-driven relationships. He is passionate about business development, strategic partnerships, and helping clients bring their projects to life.

• scourcelles@mcommercial.ca

• 514-250-2700

• English | French

Licences:
Quebec: AMF# 3003135553

Michel Durand is CEO and founder of MCommercial. Michel has been in the commercial mortgage lending arena for over 20 years. Having worked for major Canadian financial intuitions for some 12 years, Michel also served as a director on a board of directors of a venture capital fund as well as on various boards of trade, prior to entering the commercial mortgage brokerage industry in 2000. Michel’s vast experience in the commercial mortgage sector and his dedication to improving the reputation of the brokerage industry provides him with a unique and clear perspective on the challenges as well as the opportunities borrowers face in today’s economic environment. He works tirelessly at keeping all participants in the commercial mortgage field informed of the current issues affecting borrowers as well as lenders in the industry to ensure that each is able to take advantage of the current market trends.

• 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