CUSTOM COMMERCIAL SOLUTIONS

BUILDING YOUR BUSINESS. TOGETHER

COMMERCIAL MORTGAGES

STRUCTURED TRANSACTIONS

TRUSTED PERFORMANCE

CUSTOM COMMERCIAL SOLUTIONS

BUILDING YOUR BUSINESS. TOGETHER

COMMERCIAL MORTGAGES

STRUCTURED TRANSACTIONS

TRUSTED PERFORMANCE

TOUGH CREDIT CAN BE OVERCOME WITH THE RIGHT HELP

– ???? Years of lending experience
– Recipient of the …
– Ranked the No. 1 mortgage company
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GEMREAL Capital Corporation FSRA # 13189 (“GEMREAL”) is a boutique investment banking and mortgage brokerage firm focused on commercial real estate capital.

The firm was founded on integrity, experience, outstanding leadership and trusted performance. We believe in developing and sustaining long term relationships with our clients and maintaining the highest level of service. To accomplish this we provide clients with senior-level attention, comprehensive knowledge, detailed preparation and analysis, and top level industry relationships.

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Make your dream project a reality sooner than you think.
Diane will show you how.

A commercial real estate transaction is too important to risk financing mistakes. Secure your project and your investment by making the smart choice and contacting Toronto commercial mortgage broker Diane Bertolin. Her team maximises expertise while minimising hassle and will fight for you to obtain the financing to move your commercial real estate project to the next level.

If you are looking for land development financing, construction financing or a commercial mortgage in Toronto, then your first call should be to Diane Bertolin.

Commercial Mortgage Rates Toronto

Commercial Mortgage Rates Toronto

The best way to understand the future of mortgage rates is to look at the past. The past year had some record-breaking numbers on mortgage interest rates due to Covid-19. The first half of the pandemic maintained an all-time low, up until the industry started to recover at the end of the year. We are sharing some expert predictions of mortgage rates for the next year, so you can analyze and estimate the best time for you to finance your property or construction.

A history of 2021 mortgage rates

Experts predicted the rise of mortgage rates in 2020, up until the blowout of the 2020 virus, which affected all markets and industries. As a result, the mortgage rates slipped down to a low of 2.65% and continued to stay below the 3% mark for a significant part of the year.

2021 looked like a better year for mortgage rates to start an upward trend, but this trend did not last too long because of the unexpected Delta variant. The mortgage rates continue to shuffle in the twos as society works with the increased hospitalization, higher case counts, and a struggling real estate economy. So what can we expect in 2022?

Expert predictions on 2022 mortgage rates in Toronto

Several experts and private lenders in Toronto explain that mortgage rates are bound to go higher next year for two main reasons: different monetary policies and inflation. The Federal Reserve is changing its policies to accommodate the changing economy, which will cause the rates to rise as consumer demands continue to rise.

The first sign that the rates could likely increase is that they reached 3% for the first time since June. We can attribute this trend to the recovering economy and other financial conditions affecting the Federal Reserve. Some experts predict that the rate will reach 3.4% near the end of the year, to make a 2.9% average for 2022.

Why the 2022 market will not skyrocket

Remember that the market is still in a scorching period and will continue until we are entirely free of the pandemic’s effect. The good news is that real estate professionals and builders will find a lot of relief in the slight increase of mortgage rates and a lot less competition by clients who want to lock in the lowest commercial lending rate. The consumer will have a lot of opportunities to get the desired mortgage loan because they do not have to battle bidding wars with each lender.

Can we expect a sudden descent of industrial mortgages? Remember that many experts predicted a rise in mortgage rates in 2020 but did not expect the pandemic’s interference. The good news is that many professionals agree that interest rates are improbable to plummet in 2022 because we have survived what could be the thickest of the Covid-19 catastrophe.

All this news means buyers are looking for stable and healthy mortgage rates, making for less stressful shopping. Now is the best time to have a conversation with our private mortgage lender to put together the perfect mortgage rate.

Commercial Mortgage Rates Toronto

We welcome your comments!

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Toronto Office:

161 Bay Street,
Toronto, Ontario
M5J 2T6, Canada

289-337-8492

by appointment only

© Copyright 2021 Diane Bertolin, Mortgage Agent in Association With GemREAL Capital Corp. | Agent Licence: #M16001999 |Broker Licence: #13189
Website by Web GeeksSitemap | Terms and Conditions | Privacy |

Diane Logo white Small

Toronto Office:

161 Bay Street,
Toronto, Ontario
M5J 2T6, Canada

289-337-8492

by appointment only

© Copyright 2021 Diane Bertolin, Mortgage Agent in Association With GemREAL Capital Corp. | Agent Licence: #M16001999 |Broker Licence: #13189
Website by Web GeeksSitemap | Terms and Conditions | Privacy |