Afrooz Milani

Afrooz Milani is a highly experienced Iranian mortgage broker based in Toronto, specializing in complex real estate financing for builders, developers, and sophisticated real estate investors across Canada. With decades of experience in Canada’s financial services industry and a postgraduate degree in Economics from the University of Toronto, Afrooz brings a rare combination of academic rigor, institutional banking expertise, and hands-on mortgage structuring knowledge to every transaction.

Her career has been built on deep credit analysis, strategic financing design, and a clear understanding of how capital structures impact real estate projects from acquisition through completion. Afrooz is widely respected for her ability to navigate financing scenarios that fall outside conventional lending guidelines, delivering solutions that are both creative and financially sound.

Afrooz specializes in advanced and non-standard real estate financing solutions tailored to the needs of professional stakeholders. Her expertise includes working closely with builders and developers on complex projects that require careful planning, phased execution, and strategic lender coordination.

• Ground-up construction financing
• Infill redevelopment and land servicing loans
• Mezzanine and structured financing solutions
• Interim and bridge financing
• Loan-to-cost (LTC) and loan-to-value (LTV) optimization
• Cost-to-complete analysis and phased construction releases
• Exit strategy planning and refinancing structures

Her background in institutional banking allows her to assess risk from a lender’s perspective while advocating strategically on behalf of her clients to secure optimal terms.

With access to more than 70 lenders nationwide, including private lenders, Mortgage Investment Corporations (MICs), and institutional funding partners, Afrooz is able to assemble comprehensive capital stacks tailored to each project’s unique requirements.

This broad lender access enables her to secure financing even when projects fall outside traditional bank guidelines, ensuring clients have the flexibility and liquidity they need to move forward with confidence.

Clarity, transparency, and proactive communication are the foundation of Afrooz’s professional philosophy. She believes that informed clients make better decisions, which is why she takes a hands-on approach throughout the entire financing process.

From initial land acquisition and feasibility analysis to final advance and exit planning, Afrooz provides continuous guidance, ensuring that her clients fully understand their financing structure, timelines, and financial implications at every stage.

• Decades of experience in Canada’s financial and mortgage industry
• Postgraduate degree in Economics from the University of Toronto
• Specialization in complex and non-conventional real estate financing
• Strong institutional banking and credit analytics background
• Access to 70+ private and institutional lenders nationwide
• Hands-on guidance from acquisition through final funding
• Clear communication, transparency, and strategic execution

If you are a builder, developer, or investor seeking a mortgage professional who understands the business behind the build, Afrooz Milani offers the expertise, insight, and execution needed to move your project forward successfully.