• Canada Real Estate Associations

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    Responsible for registering mortgage brokers under the Mortgage Brokers Act. Contains a listing of all registered mortgage brokers within the Province of British Columbia as well as forms, consumer alerts and bulletins.

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    The MBABC represents the Province's industry and exists to support and enhance professionalism and ethical standards within the mortgage industry.

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    The MIABC was formed in 1917 to represent mortgage lenders in dealing with government and the public in addressing issues of common concern. Their 200+ corporate membership consists of commercial and residential lenders, banks, trust companies, life insurance companies, mortgage companies and credit unions as well as mortgage insurers, appraisers, law firms, accountants, environmental consultants, mortgage brokers and industry technology suppliers.

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    The Urban Development Institute is a national non-profit association (with international affiliations) of the development industry and its related professions.

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    REALpac is Canada's senior national association for owners and managers of investment real estate. Their members include publicly traded real estate companies, real estate investment trusts (REITS), private companies, pension funds, banks and life insurance companies with investment real estate assets each in excess of $100 million. The association is further supported by large owner/occupiers and pension fund advisors as well as individually selected investment dealers and real estate brokerages.

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    CREA is one of Canada's largest single-industry trade associations, representing more than 96,000 real estate broker/agents and salespeople working through more than 100 real estate Boards and Associations.

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    The BCREA represents 12 member real estate boards and their approximately 18,000 REALTORS on all provincial issues, providing an extensive communications network, standard forms, economic research and analysis, government relations, required post-licensing courses and continuing education.

• Research Providers

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    Colliers International is a global affiliation of independently-owned real estate service firms with 12,700 employees in 294 offices in 61 countries. They are able to provide expert local real estate advice wherever their clients need them.

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    A global real estate service firm who are able to assist clients in every stage of the real estate process, representing them in buying, selling, financing, leasing, managing and valuing of assets, and providing strategic planning and research, portfolio analysis, site selection and space location among many other advisory services.

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    CB Richard Ellis is the world's premier, full-service real estate services company. Operating globally, the firm holds a leadership position in virtually all of the world's key business centres.

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    DTZ Barnicke provides a comprehensive range of brokerage services and value-added business advice in commercial real estate to leading international corporations, institutions and portfolio owners across Canada. Headquartered in Toronto, Ontario, the firm has 19 full-service offices across Canada with in excess of 500 employees, including over 300 sales professionals.

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    Avison Young is a principal-owned Canadian commercial real estate company comprising more than 500 real estate professionals including licensed brokers, financial analysts, research professionals and marketing specialists. They help their clients to strategically solve their real estate concerns so that they can concentrate on what their business does best.

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    Research provider to the Canadian Commercial Real Estate Industry.

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    Altus Group provides comprehensive breadth-of-service offerings that incorporate the entire development cycle. Through collaborative business units, they leverage their expertise to streamline multi-faceted projects and provide customized solutions for their clients. Altus Group is one of the most respected Commercial Real Estate Appraisal and Research Firms within Canada.

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    RENX is a free, online news and information service for anyone with a keen interest in Canadian Commercial Real Estate.

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    Thompson Reuters is the world's leading sources of intelligent information for business and professionals.

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    Good summary of today's major Canadian business news stories.

• Real Estate Search Engines

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    Canadian Multiple Listings Service (MLS) Site.

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    Canadian Commercial Real Estate Search Engine.

• Market Information

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    CMHC is Canada's national housing agency.

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    The New York based company employs more than 10,000 people in over 135 offices around the world. Bloomberg is about information: accessing it, reporting it, analyzing it and distributing it faster and more accurately than any other organization. The BLOOMBERG PROFESSIONAL service, the core product of Bloomberg, is the fastest growing real-time financial information network in the world.

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    Up-to-date market information including bond yields, exchange rates, yield curves and the equity markets.

VSM Capital has established strong relationships with all Canadian major banks, credit unions, trust companies, pension funds and insurance companies that allows them to arrange financing for your project or investment. In addition, VSM Capital has long standing relationships with all major private mortgage funds across Canada and several private investors ready to provide the capital needed for projects that fall outside of traditional lending guidelines. Although we are able to find unique solutions for most complex transactions, commercial loans fall into one of the following 5 categories:

Construction and Land Development Financing

Purpose:	VSM Capital can arrange construction financing to assist developers with financing the construction of residential, retail, office, industrial, hotel, self-storage and land development projects.
Loan To Cost:	Up to 80% – 85% of cost.
Loan To Value:	Up to 65% – 75% of value.
Term:	Up to 3 years.
Amortization:	Typically Interest-Only loans can be obtained.
Security:	1st and 2nd mortgages available.

Land Acquisition Financing

Purpose:	VSM Capital can arrange land acquisition financing for developers who are acquiring land for near-term development. Typically these loans are used to finance the rezoning process which happens after acquisition, or alternatively to obtain building permits and pre-sales in order to meet the requirements of construction loans.
Loan To Cost:	Up to 65%.
Loan To Value:	Up to 65%.
Term:	Up to 24 months.
Amortization:	Typically Interest-Only loans can be obtained.
Security:	1st mortgages available.

Term Financing

Purpose:	VSM Capital can arrange term debt for the acquisition or refinance of residential apartment buildings, retail buildings, office buildings, industrial buildings, hotels and self-storage buildings.
Loan To Cost:	Not applicable.
Loan To Value:	Up to 85% of value.
Term:	Up to 10 years.
Amortization:	Up to 25 years.
Security:	1st and 2nd mortgages available.

Mezzanine Financing

Purpose:	VSM Capital can arrange mezzanine financing to assist owners and developers with the equity requirements of conventional mortgage financing. Mezzanine financing is a hybrid of debt and equity which is typically used in construction loans, for condo-inventory loans, as well as to assist with re-leasing or renovating a vacant building.
Loan To Cost:	Up to 80% – 90% of cost.
Loan To Value:	Up to 75% – 85% of value.
Term:	Up to 3 years.
Amortization:	Typically Interest-Only loans can be obtained.
Security:	1st and 2nd mortgages available.

Equity / Joint Venture Financing

Purpose:	VSM Capital is able to raise equity as well as arrange for financial joint venture partners for owners and developers of commercial real estate.
Loan To Cost:	Not applicable.
Loan To Value:	Not applicable.
Term:	Not applicable.
Amortization:	Typically a preferred return is charged, as well as a pre-determined percentage of the profits to be made.
Security:	Typically an assignment of the shares of the Borrower is required.

VSM Capital adds value to its clients through the following channels:

- We perform all the upfront preparatory work and hold preliminary discussions with lenders to find the right terms and conditions for a mortgage that provides the client the best possible deal that meets or exceeds their expectations, and always benefiting from our established relationships with financial institutions and private lenders;

- We collect the required due diligence documents up front, and when necessary, provide assistance to clients who need to engage third party providers (appraisers, environmental and building conditional engineers, quantity surveyors, lawyers, etc.). Our approach allows our clients to get the best terms possible by providing the lenders required due diligence documents in advance and demonstrating to them our clients’ ability to meet the terms and conditions applicable to the lending terms being offered;

- We create a detailed mortgage presentation to present to lenders that illustrates the mortgage request in a clear and concise format that is easily understood and allows the lender to make a well informed decision without much further analysis. Our presentation format has been commented on time after time by lenders as one of the best in the industry, and it ensures a timely response from lenders with terms you can rely on;

- We analyze the offers received from the various lenders and clarify the terms of each offer and we negotiate the terms and conditions amongst all the lenders on the clients behalf;

- Once a lender is chosen by the client, our team works closely with both you and the lender to ensure a seamless transition from underwriting through to the transfer of funds;

- VSM Capital continues its relationship with you even after the transfer of funds and provides guidance to you in dealing with the lenders throughout the term of your mortgage with the ongoing mortgage requirements;

Incorporated in 2009, VSM Capital is a commercial mortgage brokerage firm engaged in arranging financing secured by all asset-classes of commercial real estate. As former commercial lenders, we strive to provide owners, developers and investors fast, efficient and creative solutions to meet their commercial mortgage needs. The team at VSM Capital has over 50 years of combined experience and has been involved in over $3.0 billion in commercial mortgage transactions either as a mortgage broker or mortgage lender. VSM Capital is fully licensed with the Financial Institution Commission of British Columbia, is a member of the Mortgage Investment Association of British Columbia and the Mortgage Brokers Association of British Columbia. Our team is experienced at arranging mortgages that meet your needs.

The VSM Capital Team