David Bannister (FSCO Lic. M08008567)

Dave Bannister has 25 years of experience in all aspects of institutional and private mortgage lending, including business development, mortgage underwriting and default management.

For the past ten years, Dave has been a managing partner in EMCC acting as a broker in its own right and also as the Mortgage Broker of Record for several large, private commercial mortgage lenders.

Prior to incorporating EMCC Dave co-managed a mortgage trust and mortgage broker of record for an independently owned Canadian Securities firm. Additionally, Dave provided default management on a number of syndicated mortgage portfolio workouts including the realization of assets, resolving legal issues and distribution of recovered funds.

Chuck Barrett AMP (FSCO Lic. M08004064)

In addition to his managing partnership in EMCC, Chuck manages the day to day operations of Epireon Capital Limited, private mortgage lender and Epireon Capital Advisors Limited, a licensed mortgage administrator.

Licenced as a mortgage broker since 1981, Chuck brings a lender's perspective to the structuring of each transaction ensuring the best chance of success.

Prior to incorporating EMCC Chuck co-managed a mortgage trust and mortgage broker of record for an independently owned Canadian Securities firm.

John Pehlke (FSCO Lic. M08008940)

John Pehlke’s market is South-western Ontario and brings over 30 years of banking, lending and mortgage brokerage experience, mostly focused on commercial real estate lending and construction financing. Through his extensive institutional and private lender contacts, John has brokered transactions and acted as a portfolio advisor assisting developers, builders and property owners in securing financing best suited to their requirements.

Involved in commercial lending since the early 1980’s, John has experienced several large market swings in the commercial real estate market. He strives to structure financing that works as well for the borrower and it does for the lender. Also John usually remains involved in the construction draw process.

Extensive knowledge of the real estate market assists John in counseling clients with not only the financing aspects of the project, but also with market intelligence that may assist in the design and marketing of the project.

Gunther Kraft (FSCO Lic. M09001165)

Gunther gained extensive lending experience in financing all types of commercial real estate properties and construction projects, as well as providing business loans over 30 years with major financial institutions in the Ontario market. Most recently he was instrumental in expanding a major B.C.-based credit union's entry into the Ontario market for commercial mortgages and construction loans. His market knowledge extends specifically to the GTA and the Golden Horseshoe areas.

Gunther has expertise in all areas of commercial mortgages, from structuring and underwriting a deal, negotiating for credit approval to ultimately funding the deal. His ability to liase with other real estate professionals, such as lawyers, appraisers, cost consultants and environmental consultants, provides the borrower/builder clients with the necessary support to facilitate the completion of the deal.

Please call for an initial free consultation at your convenience to review your financing needs, whether for an acquisition or development of a new property or refinancing an existing one, perhaps to satisfy the current lender's revised credit guidelines.