{"id":1803,"date":"2026-07-06T08:01:24","date_gmt":"2026-07-06T13:01:24","guid":{"rendered":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/07\/06\/could-a-new-financing-model-slash-retrofit-costs-by-up-to-20\/"},"modified":"2026-07-06T08:01:24","modified_gmt":"2026-07-06T13:01:24","slug":"could-a-new-financing-model-slash-retrofit-costs-by-up-to-20","status":"publish","type":"post","link":"https:\/\/www.realestategtatoday.ca\/index.php\/2026\/07\/06\/could-a-new-financing-model-slash-retrofit-costs-by-up-to-20\/","title":{"rendered":"Could a New Financing Model Slash Retrofit Costs by Up to 20%?"},"content":{"rendered":"<p>A new white paper is proposing a potential shift for the Canadian commercial real estate sector: the Property-Secured Improvement Financing (PSIF) model. By allowing building owners to finance energy-efficient upgrades through a property-based charge, this tool aims to improve cash flow by lowering annual debt payments by 10% to 20% compared to conventional mortgages. Modelled after successful U.S. C-PACE programs, which have seen $13 billion in originations, the proposal targets B- and C-class commercial properties and multi-unit rentals where retrofit needs are most critical. The mechanism requires mortgage lender consent, as the charge would hold a senior ranking in the event of default. While this remains a B.C.-focused proposal, its success could signal a paradigm shift for how GTA investors approach building sustainability and capital improvements. For a deep dive into how this financing structure could reshape commercial investment, read the full report at <a href=\"https:\/\/www.mpamag.com\/ca\/specialty\/commercial\/how-a-potential-policy-change-could-shake-up-the-commercial-real-estate-sector\/581360\">MPA Magazine<\/a>.<\/p>\n<p><!-- RealEstateToday Source Article --><\/p>\n<div style=\"display:none\" data-original-url=\"https:\/\/www.mpamag.com\/ca\/specialty\/commercial\/how-a-potential-policy-change-could-shake-up-the-commercial-real-estate-sector\/581360\"><\/div>\n<p><em>Source: <a href=\"https:\/\/www.mpamag.com\/ca\/specialty\/commercial\/how-a-potential-policy-change-could-shake-up-the-commercial-real-estate-sector\/581360\" target=\"_blank\" rel=\"noopener\">Read the original article<\/a><\/em><\/p>\n<p><!-- RealEstateToday Instagram Handles --><\/p>\n<div style=\"display:none\" data-instagram-handles=\"@ubcprez\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A proposed financing model could lower commercial retrofit costs by up to 20%. Could this be the spark Toronto&#8217;s aging building stock needs?<\/p>\n","protected":false},"author":3,"featured_media":1802,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[232,896,827,895,894],"class_list":["post-1803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-commercial-real-estate","tag-energy-efficiency","tag-investment-strategy","tag-property-finance","tag-retrofits"],"_links":{"self":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1803","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/comments?post=1803"}],"version-history":[{"count":0,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/posts\/1803\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media\/1802"}],"wp:attachment":[{"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/media?parent=1803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/categories?post=1803"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realestategtatoday.ca\/index.php\/wp-json\/wp\/v2\/tags?post=1803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}