Real Estate Finance
CDPQ is the leader in Canada’s commercial real estate finance market and a major institutional player in North America. Formerly known as Otéra Capital, our team offers in-depth expertise, a strategic approach and reliability.
Since our very first real estate finance investments in 1967, we have focused on creating value while helping transform urban centres. Our net assets total $30.4 billion as at December 31, 2023.
Our financing options
Term loans
The terms and conditions of our term loans are tailored to the needs of our clients and partners and offer flexibility and
Construction loans
We provide solutions for financing large-scale development or renovation projects for traditional or alternative assets.
Bridge loans
We provide financing for short-term needs, to support the transition to a term loan, refinancing or another financing solution.
Land loans
Our land loans can enable acquisition of the site needed for a promising, sustainable development project.
Our asset classes
Multi-residential
We are active in the multi-residential sector, which includes rental and condominium buildings.
We look for opportunities in quality assets in markets with strong fundamentals, such as population growth, high employment levels and favourable locations.
Industrial
We finance modern, sustainable assets. We are particularly interested in growing sub-sectors, such as e‑commerce and cold
Commercial
Our service offering for this sector is diversified and includes regional centres, big-box centres and neighbourhood centres.
We focus on resilient sub-sectors such as centres with grocery or convenience stores. We also favour projects with densification or repositioning potential.
Office
We finance many projects in the professional sector and look for opportunities that offer sustainable characteristics or optimal repositioning potential.
Land
Our financing offer extends to land purchases for commercial real estate development.
We prioritize well-located land in neighbourhoods with strong economic and demographic fundamentals, existing infrastructure and existing or proposed zoning.
Alternative sectors
We finance many projects in alternative sectors. We target projects such as hotels, retirement homes, data centres, small warehouses, life sciences buildings and student community residences managed by professional and experienced companies.
Operating permits
Réponse
We hold the following permits, which enable us to operate to the highest legislative standards.
- Mortgage Brokerage Firm
- Mortgage Administrator License #12027 and Mortgage Brokerage License #12816 in Ontario
- Mortgage Broker License in British Columbia
- Financing Corporation License in Saskatchewan
- Mortgage Broker License in Newfoundland and Labrador
Complaints about mortgage business activities
Réponse
If you have concerns about CDPQ's mortgage brokerage services, contact your account manager first. They will be able to answer your questions and concerns.
If your concerns have not been addressed to your satisfaction and relate to regulatory compliance, you can address them to the Chief Ethics and Compliance Officer. To do so, make a written complaint and contact CDPQ’s Ethics and Compliance group by:
Mail
Ethics and Compliance
CDPQ
Édifice Jacques-Parizeau
1000, place Jean-Paul-Riopelle
Montréal, Québec H2Z 2B3
Email
You will be contacted within 10 days of recording your compliant. The Head of Ethics and Compliance will direct the complaint to the person responsible for your file or, if needed, to a person designated to handle your complaint.
If you are still not satisfied with the handling of your complaint or the outcome, you may seek assistance from the regulatory bodies. You can contact the following agencies, which may review the complaint if it falls under their jurisdiction:
Québec
Autorité des marchés financiers’ client service
A conciliation or mediation service could be suggested in the manner provided by law.
We hold the following permits, which enable us to operate to the highest legislative standards.
- Mortgage Brokerage Firm
- Mortgage Administrator License #12027 and Mortgage Brokerage License #12816 in Ontario
- Mortgage Broker License in British Columbia
- Financing Corporation License in Saskatchewan
- Mortgage Broker License in Newfoundland and Labrador
Complaints about mortgage business activities
Réponse
If you have concerns about CDPQ's mortgage brokerage services, contact your account manager first. They will be able to answer your questions and concerns.
If your concerns have not been addressed to your satisfaction and relate to regulatory compliance, you can address them to the Chief Ethics and Compliance Officer. To do so, make a written complaint and contact CDPQ’s Ethics and Compliance group by:
Mail
Ethics and Compliance
CDPQ
Édifice Jacques-Parizeau
1000, place Jean-Paul-Riopelle
Montréal, Québec H2Z 2B3
Email
You will be contacted within 10 days of recording your compliant. The Head of Ethics and Compliance will direct the complaint to the person responsible for your file or, if needed, to a person designated to handle your complaint.
If you are still not satisfied with the handling of your complaint or the outcome, you may seek assistance from the regulatory bodies. You can contact the following agencies, which may review the complaint if it falls under their jurisdiction:
Québec
Autorité des marchés financiers’ client service
A conciliation or mediation service could be suggested in the manner provided by law.
If you have concerns about CDPQ's mortgage brokerage services, contact your account manager first. They will be able to answer your questions and concerns.
If your concerns have not been addressed to your satisfaction and relate to regulatory compliance, you can address them to the Chief Ethics and Compliance Officer. To do so, make a written complaint and contact CDPQ’s Ethics and Compliance group by:
Mail
Ethics and Compliance
CDPQ
Édifice Jacques-Parizeau
1000, place Jean-Paul-Riopelle
Montréal, Québec H2Z 2B3
Email
You will be contacted within 10 days of recording your compliant. The Head of Ethics and Compliance will direct the complaint to the person responsible for your file or, if needed, to a person designated to handle your complaint.
If you are still not satisfied with the handling of your complaint or the outcome, you may seek assistance from the regulatory bodies. You can contact the following agencies, which may review the complaint if it falls under their jurisdiction:
Québec
Autorité des marchés financiers’ client service
A conciliation or mediation service could be suggested in the manner provided by law.