Commercial Mortgage
Financing for commercial properties, mixed-use buildings, multi-unit residential, and investment real estate across the GTA.
Commercial mortgages operate differently from residential mortgages - qualification is based primarily on the income-producing capacity of the property rather than personal income alone. We arrange financing for retail plazas, office buildings, industrial properties, multi-unit residential buildings, mixed-use properties, and land. Whether you are purchasing, refinancing, or pulling equity from an existing commercial asset, we have relationships with the institutional lenders, credit unions, and private commercial lenders needed to structure competitive financing for your deal.
Key Benefits
Property Income Matters Most
Commercial lenders underwrite based on the property's net operating income (NOI) and debt service coverage ratios, not just your personal financials.
Multi-Unit & Mixed-Use Expertise
From duplexes and triplexes to large apartment buildings and retail-residential combinations, we understand how to structure these deals.
Access to Specialized Lenders
We work with lenders who specialize in commercial real estate and can offer terms and structures not available through retail banking channels.
Creative Structuring
Bridge loans, mezzanine financing, construction draws, and vendor take-backs - we have experience with complex deal structures.
How It Works
- 1
We discuss your property type, location, purchase price or current value, and your financing objective.
- 2
We analyze the property's income (or projected income for purchases) and identify lenders suited to the asset class.
- 3
We prepare and submit a comprehensive lender package and negotiate terms on your behalf.
- 4
We manage the process through to funding, coordinating with lawyers, appraisers, and lenders throughout.
Frequently Asked Questions
What types of properties qualify for a commercial mortgage?
Retail plazas, office and industrial buildings, multi-unit residential properties (typically 5+ units), mixed-use buildings, development land, and certain special-purpose properties. Each asset class has its own underwriting criteria and we'll let you know upfront what to expect.
What loan-to-value can I expect on a commercial mortgage?
Typical LTVs range from 65% to 75% for commercial properties, though some asset classes qualify for higher. The property's income coverage ratio (DSCR) is equally important in the lender's decision.
Do I need to personally guarantee a commercial mortgage?
Most institutional commercial lenders require a personal guarantee from the principals. Some private lenders offer non-recourse structures for stronger files or lower LTV deals. We'll clarify the guarantee requirements for each lender we present.
How long does commercial mortgage approval take?
Institutional commercial mortgages typically take 3–6 weeks from application to commitment due to the complexity of underwriting and appraisal requirements. Private commercial lenders can move significantly faster - sometimes within 1–2 weeks for the right file.
Get a Free Consultation
Tell us your situation and we'll find the best option for you.