Our History
Brazilian Finance & Real Estate is a holding company that controls Brazilian Mortgages, Brazilian Securities, Brazilian Capital and BM Sua Casa. Today a benchmark in the Brazilian real estate finance sector, BFRE conducts structured operations for private individuals and companies. Products range from options for investors interested in a Brazilian market with high growth potential to solutions for developers and builders who need to raise funding to implement their projects. They also include products for private individuals looking to buy their own home and credit facilities with real estate collateral that can be used for any purpose.
Mission
To be recognized for the creativity and technical skill of our professional staff, who are responsible for providing integrated solutions and the development of high-quality products in the areas of financing, structuring and managing real estate investments.
Our Differential
We keep our businesses tightly focused on our clients, planning real estate operations with security and agility that lead to effective business. Our team is specialized in the financial and real estate markets, and its activities are designed to provide products tailored to the needs of each client, be they private individuals or companies.
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Brazilian Mortgages
The company was created in 1999 as the first independent mortgage provider in Brazil with operations authorized by the Central Bank. Brazilian Mortgages innovated in the Brazilian financial market by creating the first Real Estate Investment Fund directed to the retail sector: the Shopping Pátio Higienópolis, a major up-scale mall in São Paulo. The company’s current portfolio includes more than 34 funds, among them Torre Norte, Edifício Ourinvest and Hospital Nossa Senhora de Lourdes.
Financing solutions for builders and developers have made possible the construction of developments such as Vila Florença in Rio de Janeiro, Sunrise Bulevard in Santa Catarina, and Edgar Degas in Salvador. After signing an agreement in 2000 with the Inter-American Investment Corporation, the financing arm of the Inter-American Development Bank (IDB), Brazilian Mortgages led the Brazilian market once again by launching unrestricted-use real estate financing. This is a form of real estate refinancing where fully paid-up property is used as collateral. The funds so obtained can be used by the borrower without restriction, for example to purchase a second property, pay for a renovation, finance children’s studies or even to take a vacation.
Brazilian Securities
Created in 2000, Brazilian Securities helped promoted the growth of the Brazilian real estate securitization market by creating new sources of funding for developers and by offering investors differentiated options that bring together the capital, financial and real estate markets.
It was the first company to receive an “AA1.BR” rating from Moody’s Investors Service, an international risk assessment agency, for the issue of Mortgage Backed Securities (MBS). These constitute another funding option for developers who need money quickly. Brazilian Securities has issued R$1.8 billion of MBS, giving it a 34% market share.
Brazilian Capital
Brazilian Capital was created in 2002 to manage real estate investments. The company is responsible for bringing to market Brazil’s first Private Equity Fund (FIP), at the time a completely new option for investment in, and finance of, the construction sector. The company also acts as a consultant for real estate investments.
The company has over R$2 billion in funds under management and over R$2 billion in investments. Among the investments are residential and commercial developments, offices, shopping malls, retail properties and industrial assets.
Working in partnership with Hedging Griffo, the company structured Brazil’s first Private Equity Fund. At the time this was a completely new option for investment in and financing of the construction sector.
BM Sua Casa
Operating since May of 2007, BM Sua Casa introduced a revolutionary new system of real estate financing into Brazil, aimed principally at the middle class. The company’s executives bring together a blend of specialization, creativity and extensive experience in the Brazilian real estate market that made it possible for BM Sua Casa to offer Brazil’s first residential real estate loans with repayment periods as long as 30 years. It was also the first company to sell real estate financing through high street stores and outlets in shopping centers, providing the convenience of extended hours and weekend opening. This was an innovation for Brazil in how to offer loans for the purchase or renovation of new and used property, urban building plots and commercial property.
BM Sua Casa, the retail arm of Brazilian Mortgages, was also a pioneer in offering loans backed by real estate collateral – a form of simple credit with no restrictions on how the loan is used.