Land & Development

Land & Development Financing for Builders and Investors

Raw land, zoned lots, and land moving through entitlement — financed by a network of lenders who understand land risk when conventional banks have stepped back.

Start Your Application Call (905) 482-9393

75%

Max LTV

Any Stage

Raw to fully serviced

Private + Bank

Lender network

Financing land at every stage of the entitlement process

We arrange land loans for custom homes and larger developments, on residential and commercial sites, parking lots and hi-rise sites, and land moving through subdivision. As traditional lenders have tightened their appetite for land and development risk, we have a network of commercial and private lenders who still fund it, at any stage for any project type.

Raw land, serviced lots, and land in entitlement
Residential and commercial development sites
Subdivision financing for builders and land developers
Financing for land with no improvements

At a Glance

75%

Maximum loan-to-value

Decision Makers

We deal with the lenders who are actual decision makers

Residential & Commercial

Site types

Completion Value

Based on the completion of the project/property

How it works

01

Define the site

Zoning status, entitlement stage and intended use shape the lending strategy.

02

Lender matching

We identify which commercial or private lenders are active in that land type today.

03

Structure the loan

Terms are built around your development timeline and exit strategy.

04

Fund and progress

Close and move the land toward its next stage of development.

Frequently asked questions

Can you finance land with no improvements?

Yes. We have access to lenders who will finance raw, unserviced land — a segment many conventional banks have pulled back from.

What’s the maximum LTV on a land loan?

Generally up to 75% loan-to-value, depending on the site’s zoning status, location and entitlement stage.

Do you finance subdivision projects?

Yes, we arrange subdivision financing for builders and developers, including land moving through the entitlement and rezoning process.

Have a site that needs the right lender?

Email info@omj.ca

Vice President · Residential Financing

Morteza (Morty) Sadeghi

As Vice President of Residential Mortgages, Morty has 23 years of residential mortgage experience. His thorough understanding of lender requirements and their products ensures his clients get the most suitable financing to meet their needs.

Morty graduated from York University with a major in Economics and a minor in Political Science. He’s built strong relationships with banks and other lenders, which helps ensure his clients have access to the best products available. His objective is to curate a stress-free mortgage process that educates and empowers every client to feel confident in their financial decisions.

High-value and luxury home mortgage financing is his specialty; it requires a personal approach and terms that need to be individually negotiated.

Morty is the firm’s expert in luxury home financing with financial institutions and private mortgages across Ontario, for both purchase and refinance loans, with experience spanning funding, analyzing and approving mortgages.

Morty’s team excels at navigating complex and challenging financing scenarios, offering tailored service to reach the best possible outcome for every client, every time.

Vice President · Commercial Financing

Masoum Jalili

As Vice President of Commercial Financing, Masoum is responsible for sourcing, structuring and arranging financing options for clients at OMJ. She has over 3 decades of commercial lending experience, a Bachelor of Business Administration with honours from the Schulich School of Business, and a Certified Management Consulting designation.

Masoum has been with OMJ since its establishment and has personally arranged financing for a diverse class of commercial real estate assets. She also provides underwriting and monitoring for clients across a broad range of industries and sectors. Before joining OMJ, she was a commercial banking manager with experience across several financial institutions, including the National Bank of Canada, which is exactly why she knows how banks work and how to get them to work for you.

With decades of experience in commercial lending and a results-oriented approach, Masoum has the skills and tools to put together a unique solution for every client and is committed to finding the best options for her clients regardless of their circumstances.

Principal Broker · President & Founder

Omid Jalili

Doctor Finance

Omid is the founder, principal broker and President of OMJ Mortgage Capital. He has financed hundreds of millions of dollars in commercial mortgages and development projects over the past 3 decades.

Omid has been a finalist on Canadian Mortgage Professional (CMP) magazine’s Top Commercial Brokers list for six years running, from 2015 to 2020. With more than two decades in the commercial mortgage industry and hundreds of millions of dollars in commercial and construction financing arranged, he’s become one of the Greater Toronto Area’s most recognized commercial mortgage brokers. From land and commercial assets to development and construction projects, Omid has the expertise and network to help secure your financing goals.

Known to clients as Doctor Finance, Omid has assisted with the financing of many custom home projects across the GTA, including in Willowdale, Forest Hill, Lawrence Park, Lytton Park, the Bridle Path and Hoggs Hollow.

He believes knowledge, integrity, expertise, accountability and trust are the five keys to success and proves it daily through his work ethic, track record and leadership in construction and commercial real estate financing.