Commercial Mortgages

Commercial mortgages fund income-producing properties like office buildings, retail plazas, warehouses, and apartment complexes. Unlike residential mortgages, lenders evaluate debt service coverage ratios (DSCR), net operating income, and property cash flow rather than personal income alone.

Commercial loans typically require 25-35% down, feature shorter amortizations (15-25 years), and offer terms ranging from 1-10 years. We work with lenders experienced in commercial real estate, helping structure deals based on property performance, tenant quality, and market conditions.

Whether acquiring your first multi-family investment, refinancing a retail property, or expanding a portfolio with industrial assets, commercial financing provides the leverage to scale. We assess lease agreements, operating expenses, and cap rates to present lenders with strong applications, securing competitive rates and terms that maximize cash flow and equity growth for Canadian business owners and investors.

Commercial real estate requires sophisticated financial analysis. Lenders want to see strong debt service coverage (typically 1.25x or higher), quality tenant covenants, and property management experience. Location, property condition, and market fundamentals all influence financing terms. We prepare comprehensive submissions that highlight property strengths and address lender concerns proactively.

Our commercial financing expertise spans office, retail, industrial, and multi-residential properties across Canada. Whether you're an experienced developer, business owner occupying your building, or investor building a commercial portfolio, we connect you with lenders who understand your property type and structure financing that supports your business objectives and growth strategies.