Flexible Financing for Business Owners and Property Investors
Commercial Mortgages in Canada
A Commercial Mortgage is a loan used to purchase, refinance, or access equity in non-residential real estate. It’s ideal for business owners, developers, and investors looking to finance properties such as:
Office
buildings
Retail plazas and storefronts
Industrial or
warehouse units
Apartment complexes
(5+ units)
Mixed-use and
multi-unit developments
Hotels or
hospitality properties
Unlike residential mortgages, commercial mortgages are secured by income-generating properties, giving lenders confidence through tangible collateral.
Commercial Mortgage Terms & Structure
Commercial mortgages can vary widely based on the property type, borrower profile, and purpose of financing
Loan terms typically range between 1 to 10 years, with most borrowers selecting 3 to 5 years.
Shorter terms (under 2 years) are considered bridge loans, ideal for temporary financing or repositioning assets.
- Up to 85% for stabilized multi-unit residential or strong commercial properties
- As low as 50% for farmland or vacant land
Covers the period between a property purchase and the arrangement of permanent financing.
Allows businesses to move quickly on an opportunity that requires a fast closing, sometimes within weeks.
Provides funds to renovate or complete a property to make it ready for a traditional mortgage.
Helps in acquiring commercial real estate from foreclosure or taking advantage of short-term opportunities.
Can be used for various scenarios, such as securing a new property before selling the old one, or for land development until construction financing is secured
How to Qualify for a Commercial Mortgage
Applying for a commercial mortgage involves more documentation and due diligence than a residential one. Lenders will evaluate:
Property appraisals and environmental assessments
Lease agreements and tenant quality
Financial statements and business cash flow
Borrower net worth and credit standing
Condition and marketability of the property
Why Work With a Commercial Mortgage Broker
Every lender has different criteria, documentation requirements, and property risk appetites. Our team specializes in structuring and negotiating commercial mortgage solutions that match your goals.
We’ll help you:
First time buyer or refinancing? Call for a free quote!
First time buyer or refinancing? Call for a free quote!
First time buyer or refinancing? Call for a free quote!
