Cameron Stephens Mortgage Capital Ltd
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Investment in Real Estate PRODUCTS - LENDING SERVICES

Cameron Stephens is a leading non-bank lender providing financing of $1.0 - $50.0 million to real estate builders, developers and owners of residential, commercial, industrial and retail projects and properties located primarily in the Greater Toronto Area and other urban centres in Southern Ontario.

The company has a credit approval and funding process that provides quick and efficient turn-around time with an emphasis on providing superior quality service and creative deal structures customized to the borrower's specific requirements.

Loan Products

Land Acquisition/Refinance
- 50% - 60% LTV
- Planning approvals in place or imminent
- Loan maturities of
6 - 24 months

Land Servicing and Construction Financing
- Up to 80% LTV
- Equity & presale levels competitive with institutional
  requirements
- Streamlined progress draws to fund trades/suppliers
- Loan maturities of 18 - 24 months

Bridge/Asset Repositioning
- Up to 90% LTV
- Properties with value enhancement upside
- Bridge to future sale or refinancing
- From 90 days to 18 months

Inventory
- Up to 75% LTV
- Completed residential and commercial projects
- Repayment of construction financing and orderly disposition
  of remaining units
- Loan maturities of 12 - 24 months

First Mortgage Loans
- Up to 80% LTV
- Income producing properties
- Loan maturities of 1 - 10 years

Mezzanine Debt
- Up to 90% LTV
- Equity gap financing to secure institutional financing
- Loan maturities of 12 - 24 months

Debt Acquisition
- Single loan or portfolio purchases

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