Commercial Mortgages

Commercial Financing for Your Business or Portfolio.

From the premises your business operates in to retail, office, industrial, mixed-use and multi-residential investments, we structure commercial mortgages with lenders who understand your property and your plans.

Discuss Your Property Call (905) 409-4504

The Difference

Commercial Lending Is Not Residential Lending

Commercial lenders look closely at the property, the income it produces and the strength of your business or portfolio, not just your personal income. Terms, rates and requirements differ from a home mortgage, and the best lender changes with the type of property.

We work with banks, credit unions and private lenders, and match you with those who specialize in commercial lending, so your file reaches the right people the first time.

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At a glance

Properties
Retail, office, industrial, mixed-use and multi-residential

Borrowers
Business owners and investors

Lenders
Banks, credit unions and private lenders

Fees
Always disclosed upfront, in writing

Properties We Finance

Financing for Every Kind of Commercial Property

Whether you are buying, refinancing or renewing, we structure financing around the way the property is used.

Retail

Storefronts, plazas and retail units, whether you operate them or lease them to tenants.

Office

Office buildings and units for owner-occupiers and investors alike.

Industrial

Warehouses, workshops and industrial properties for operators and investors.

Mixed-Use

Buildings that combine commercial space with residential units.

Multi-Residential

Apartment buildings and multi-unit residential properties held as investments.

Owner-Occupied Business

Buy the premises your business operates from instead of paying rent to someone else.

How Lenders Decide

What Commercial Lenders Look At

Understanding the lender's view lets us prepare a stronger file. These are the factors that matter most.

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The property

Its type, condition, location and appraised value.

Income and cash flow

Rental income or business revenue compared with the debt payments.

Your financial strength

Credit, net worth, financial statements and relevant experience.

Your down payment

Commercial deals usually need more equity than a home purchase. The amount depends on the property and lender.

Leases and tenants

For investment properties, the quality of the tenants and the terms of their leases.

Your plans

How you intend to use, improve or hold the property over time.

Our Process

From First Call to Funding

Free Consultation

We learn about the property, your business and your goals, and tell you honestly what is achievable.

Package and Match

We prepare a clear, lender-ready submission and match it to lenders who suit the property.

Due Diligence and Closing

Lenders typically order an appraisal and may require other reports. We keep you updated through to funding.

Get Ready

What to Have Ready

Every file is different, and we will confirm exactly what your lender needs. Having these items on hand speeds things up.

✓ Details of the property and the purchase price or current mortgage

✓ Business or personal financial statements

✓ Recent personal and corporate tax returns

✓ Rent roll and leases for investment properties

✓ Proof of your down payment or equity

✓ Corporate documents if you are buying through a company

✓ Property tax and insurance details

✓ A short summary of your plans for the property

Common Questions

Commercial Mortgage Questions, Answered

Can't find what you're looking for? Call us at (905) 409-4504 or send a message and we will get back to you quickly.

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Do you arrange commercial mortgages?

Yes. We arrange financing for owner-occupied businesses, investment properties, mixed-use and multi-residential buildings, matching you with lenders who specialize in commercial lending.

What types of commercial property can I finance?

Retail, office, industrial, mixed-use and multi-residential properties, as well as premises that your own business occupies. If your property is not on the list, call us and we will tell you what is possible.

How is a commercial mortgage different from a residential mortgage?

Lenders focus on the property's income and the strength of your business or portfolio, and they usually require a larger down payment. Terms and amortizations are often structured differently, and the right lender depends on the property type.

What documents will I need?

Typically financial statements, tax returns, details of the property and any leases, and proof of your down payment. We will confirm exactly what your lender requires.

Can I refinance or renew an existing commercial mortgage?

Yes. We review your current mortgage, compare options and arrange a refinance or renewal, whether you want better terms or access to equity.

Does it cost anything to work with you?

For most residential mortgages our service is free to you. On certain commercial and private files a fee may apply, and if it does, we will tell you upfront in writing before you commit.

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