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Multifamily Apartment Building Refinancing

Lower your mortgage rates, access equity, or transition to CMHC programs. Refinancing apartment buildings in Canada gives you the flexibility to reduce debt service, fund acquisitions, or optimize your portfolio. We match you with the best refinance terms available.

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1

Property Assessment

Evaluate your current financing against market rates and determine your refinance opportunity.

2

Lender Matching

We find the best refinance terms and structure from CMHC or conventional lenders.

3

Closing

Complete your refinance and access the equity or lower rates you've earned.

Apartment Refinancing

Maximize Your Building's Equity

Refinancing apartment buildings unlocks trapped equity, reduces debt service, and positions your portfolio for growth. Whether you're looking to lower rates, fund new acquisitions, or optimize your capital structure, we have refinance solutions for multi-family properties across Canada.

85-95%
Max LTV on Refinance
40-50yr
Amortization Available
1.10x
Minimum DSCR
100+ bps
Typical Rate Savings

Rate & Term Reduction

Lower your mortgage rate and reduce annual debt service. Save 1-2% or more in interest costs.

Cash-Out Refinance

Access equity for acquisitions, renovations, or portfolio expansion without selling the property.

CMHC Conversion

Transition to CMHC insurance programs for better long-term rates and amortization flexibility.

Term Optimization

Adjust your amortization schedule or lock in fixed rates to match your investment timeline.

Portfolio Consolidation

Refinance multiple properties or consolidate debt into a single efficient financing structure.

Equity Access Strategy

Unlock capital for growth opportunities while maintaining strong cash flow ratios.

Ready to refinance your apartment building?

Let's analyze your current mortgage and find the best refinance opportunity.

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Refinance Services

Refinancing Solutions

Multiple refinance options for apartment buildings and multi-family properties.

Rate & Term Refinance

Refinance to a lower rate or adjust your mortgage term without accessing equity. Reduce annual debt service and improve cash flow.

Discuss this financing option

What's Included

  • Current rate shopping
  • Fixed or variable options
  • Quick closing timeline

Cash-Out Refinance

Refinance and withdraw equity for acquisitions, renovations, debt repayment, or portfolio growth.

Discuss this financing option

What's Included

  • 80-90% LTV available
  • Flexible use of proceeds
  • Preserve property ownership

CMHC Conversion

Move from conventional to CMHC-insured financing for better long-term rates, extended amortization, and improved terms.

Discuss this financing option

What's Included

  • Lower interest rates
  • Up to 50-year amortization
  • Enhanced flexibility
Refinance Eligibility

Multifamily Refinancing Requirements

Refinance requirements focus on your property's performance and your financial stability.

Requirements

  • Stabilized occupancy of 90% or higher.
  • Trailing 12-month (T-12) financial statements and operating records.
  • Phase 1 environmental assessment for the property.
  • Recent building condition report (property inspection summary).
  • DSCR minimums of 1.10x or higher (1.25x+ for CMHC conversion).
  • Minimum net worth and liquidity requirements from your lender.

How We Help

  • Expert guidance on rate environment and refinance timing.
  • Access to 10+ CMHC and conventional lenders for competitive rates.
  • Optimization strategies to minimize closing costs and maximize savings.
  • Support through appraisal, underwriting, and closing process.
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FAQ

Questions About Refinancing Solutions

Everything you need to know about refinancing solutions.

When to Refinance

Refinance when rates drop 0.75-1.00% below your current rate, when you need capital for acquisitions, or when your amortization is too short. Rising occupancy or improved NOI also creates refinance opportunities.
Rate & term refinancing typically closes in 30-45 days. Cash-out refinances may take 45-60 days depending on appraisal and underwriting complexity.
Expect 1-2% of the loan amount in legal fees, appraisal, title insurance, and lender fees. Rate savings often recover these costs within 12-24 months.

Refinance Options & Structures

CMHC-insured refinances offer lower rates and longer amortization (up to 50 years) but require mortgage insurance premiums. Conventional refinancing is faster but typically has higher rates and shorter amortization (25-35 years).
Most lenders allow 80-90% LTV on multi-family cash-out refinances, depending on your occupancy rate, DSCR, and property condition. A $5M property with 80% LTV could access up to $1M in equity.
Most Canadian mortgages have closed terms with penalties if you pay off early. Ask your lender about penalty structures—some CMHC programs have lower penalties to encourage refinancing.

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