Real Estate and Housing

Commercial real estate investors and developers can access financing, including construction loans, commercial mortgages and tailored solutions for project-specific needs, across residential, commercial and industrial properties. A relationship manager with hands-on market experience can help structure financing that suits your project stage and contributes to your growth.

Lenders assess a developer's experience with similar projects, the project budget, market demand, pre-leasing or pre-sale commitments and the overall capital structure. In general, lenders want to see a clear path to repayment, whether it’s through unit sales, rental income or refinancing.

Many lenders want to see a certain percentage of units pre-sold or pre-leased before committing to construction financing, particularly for condo development. The exact threshold varies by lender, project type, market conditions and your track record as a developer. Your relationship manager can help you understand what's realistic for your project and how to move forward.

Look for a commercial banking partner who knows the housing and real estate sector, including construction timelines, rental markets and development risk. The best relationships go beyond a single transaction, giving you access to a broader network of specialists as your portfolio evolves. Connect with a relationship manager to see what that looks like in practice.

Government-backed programs can enhance your financing by reducing lending risk and improving project economics, making it easier to get housing developments off the ground. The right commercial banking partner helps you understand what's available and how to structure it alongside your financing. Connect with a relationship manager to explore your options.

Yes, RBC’s Commercial Real Estate team has the experience and expertise ready to support your business. Our team has specialists across the country that are here to guide you through the financing process to help your projects get built.