CAMLA ONsite: Lunch & Learn
Hosted by CAMLA with speaker Joshua D'Souza
Join us for the
first ever CAMLA ONsite: Lunch & Learn!
A
complimentary networking and seminar session for all Ontario Lenders, hosted by the CAMLA Ontario Committee. Taking place at the
Delta Marriott Toronto Markham, this event will host
Joshua D'Souza, Director, National Accounts, TD Bank. During the session
State of Alternative Lending in 2026 and Beyond Josh will share his insights on the
alternative mortgage lending climate and if
trends from 2025 will continue in 2026. Come out for an afternoon of
networking,
learning, and a
buffet lunch!
Event Details:
Date: Wednesday, February 11, 2026
Time: 10:30 AM – 2:00 PM EST
Location: Delta Marriott Toronto Markham – 50 E Valhalla Dr, Markham,
ON L3R 0A3
Why Attend
- Build your network with lenders and partners in the CAMLA community
-
Gain practical insight from an incredible presentation by Joshua D'Souza titled 'State of Alternative Mortgage Lending in 2026 and Beyond'
-
Enjoy a buffet lunch with fellow mortgage and lender professionals
Capacity is limited, so be sure to RSVP early to secure your spot!
Event Agenda:
10:30 AM EST: Registration, Networking, & Coffee
11:00 AM EST: Opening Remarks, presented by Nick Kyprianou
11:10 AM EST: 'State of Alternative Mortgage Lending in 2026 and Beyond', presented by Josh D'Souza
11:50 AM EST: Q&A Period, moderated by Nick Kyprianou
12:10 PM EST: Buffet Networking Lunch
1:00 PM EST: Facilitated Roundtable Discussion, facilitated by Mike Hapke
1:30 PM EST: Closing remarks, & Networking
2:00 PM EST: Event Concludes
We look forward to welcoming you for an afternoon of great conversations and connections!
Session: State of Alternative Mortgage Lending in 2026 and Beyond
Despite one of the slowest housing markets in a generation, Canadian mortgage lenders were surprisingly busy in 2025 highlighted by unprecedented M&A, innovative capital raising, and the arrival of new participants. 2025 also unveiled major vulnerabilities in alternative lending including weakening of condos values, no bid in certain geographies sensitive to tariff-related industries and/or slowing immigration, and commercial real estate generally. The latter was highlighted by notable commercial real estate and private credit funds gating investor redemptions and even stories of blatant fraud and insolvency.
In this session we will discuss the factors driving this flurry of activity and how deals that previously were unheard of in the Canadian market (Strategic M&A and RMBS offerings), actually got done in the challenging environment that was 2025. Moreover, we discuss whether these themes will continue into 2026 and ask some of the key questions on the minds of alternative lenders:
- Is my balance sheet optimized to win in increasingly competitive mortgage environment?
- Is my mortgage book eligible for bank debt and/or securitization financing?
- What risks should I be mindful of in 2026 and how can I mitigate?
- Ultimately, is 2026 the right time to expand my business and take on more risk?
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