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Commercial doesn't have to be complicated
Commercial mortgages provide financing for business and investment properties such as office buildings, retail spaces, industrial properties, and multi-unit residential buildings. As a mortgage broker, I work with a wide range of lenders to help business owners and investors secure competitive financing tailored to their property and goals.
Common Types of Commercial Property
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Office buildings
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Retail spaces
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Industrial warehouses
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Mixed-use properties
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Multi-unit residential (5+ units)
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Hotels & hospitality
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Land development
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Medical / professional buildings
Common Types of Financing Options
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Commercial purchases
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Commercial mortgage refinancing
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Construction financing
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Bridge financing
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CMHC multi-family financing
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Owner-occupied commercial mortgages
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Investment property financing
What Lenders Look For in Commercial Financing
When applying for a commercial mortgage, lenders evaluate both the borrower and the property to determine the level of risk and financing available. Key factors typically include the property’s income potential, lease agreements, net operating income (NOI), loan-to-value ratio, and the borrower’s credit profile and experience with similar properties. Unlike residential mortgages, commercial financing focuses heavily on the property’s ability to generate income and support the loan payments.
Steps to Take When Getting Started
The first step is to review your investment goals and gather important information about the property, including purchase price, expected rental income, operating expenses, and financial statements if available. Speaking with a mortgage broker early in the process can help you understand your financing options, estimate loan terms, and ensure the property meets lender requirements. With the right preparation, you can move forward confidently and secure financing that supports your long-term investment strategy.