Commercial Mortgages Made Easy In Canada

We provide the same great service and expertise when finding a mortgage for your commercial property! Work with us and get the best terms rates and services for your commercial mortgage.

With, finding the perfect commercial mortgage in Canada is easy! With the help of a licensed commercial mortgage brokerage, you can now access multiple lenders to compare and choose the best option for your needs. Let’s help you get your commercial mortgage approved. Apply Now!

Get your commercial mortgage approved!
With a commercial mortgage or equity takeout, you can… 

Unleash the Maximum Benefits from Commercial Property Mortgage Solutions 

Check out how our pre-approval and mortgage qualification process can help you today. 
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What is a Commercial Mortgage?

A commercial mortgage is a loan to acquire properties used for business purposes, with the property as collateral. Companies or businesses that often apply for this loan type include:

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Types of Commercial Mortgages 

The commercial mortgage application process depends on the property type. For instance, the max loan-to-value ratio, defined as the ratio of a loan to the value of an asset, vary according to property type.

Types of Commercial Mortgages  Max Loan-to-Value ratio 
Storefront with Apartment/Residential
Commercial (Mixed) Individuals 
Multi-family residential (1-4 units)  See Investment Property Mortgages 
Multi-Family Residential (5 or more Units)  85% 
Commercial Plaza Mortgage  75% 
Office Mortgage  75% 
Industrial Mortgage  75% 
Farmland Mortgage  65-75%
Construction Projects  N/A
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Commercial Mortgage Term Lengths

Borrowers can choose between terms as short as one year and extending up to 5 years, but they can be amortized for as long as 40 years.

As rates tend to fluctuate over time, you should consider the options available to you before making a decision. If current interest levels are low, locking into a longer term may be preferable. If you expect them to drop soon, a shorter option could be beneficial.

Commercial Mortgage Rates or Loan-to-Value (LTV)  

If you're in the market for a commercial mortgage, depending on the property type, your loan-to-value could be as low as 50% to as high as 85%. Residential mortgages, however, tend to have higher LTVs up to 95%. This discrepancy is due mainly in part to three factors:

A professional commercial mortgage broker in Canada, like, can help you find the best mortgage for your needs.

With our extensive experience in the mortgage industry, we can help you quickly find a mortgage with lower interest rates than you could individually.

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Commercial vs. Residential Mortgages

Before applying for a mortgage loan, it’s always best to know your options. Here are the main differences between a commercial and residential mortgage:

Commercial for Large Real Estate Investment Corporation Residential for Standard Homebuyers and Small Real Estate Investors 
Mortgage rate  Higher Lower
Rate Benchmark Bank of Canada 5 year-bond Bank of Canada Overnight Rate
Maximum LTV 85% 95%
Maximum amortization 40 years  30 years 
CMHS Availability  Checked  Checked 
Qualification Criteria  Property income generation, borrowers' financial  Borrowers' financial 

Take The First Step Today!

Secure the financing you need to support the growth of your business with a commercial mortgage.

6 Smart Reasons To Apply For One 

If you're new to commercial real estate investing, the capital for buying properties outright and the fees incurred for processing the necessary funding sources may need to be added. In this case, a commercial mortgage is an ideal solution.

Lower Interest Rates (than unsecured loans)

A commercial property mortgage can be a smart financing choice for businesses looking to take control of their finances and plan for the future. These mortgages often have lower interest rates compared to unsecured borrowing options, making them a cost-effective choice.

Capital Gains

Investing in commercial property has the potential to bring significant capital gain over time. As property prices tend to rise in the long term, buying a commercial property can be a smart way to generate capital growth.

With the right strategy and patience, a commercial property can be a lucrative investment that generates returns for years to come.

Renting Potential

Maximize the value of your commercial property by exploring opportunities to generate additional income. If you have extra space on your property, consider renting it out to bring in extra revenue.

Whether you have an unused room, outdoor area, or storage space, you can monetize your surplus space to help offset the costs of owning a commercial property.

Financial planning

A commercial property mortgage allows a business to extend the payment over a number of years. This can free up resources and enable you to focus on other important areas, such as growing inventory, managing overhead costs, and training staff.

By choosing a payment plan that meets its needs and budget, a business can secure the financing it needs to support its growth and success.

No 'empty money' rent payments

By making mortgage payments, you are building equity in the property and establishing a more solid financial foundation for your business. As you own the building, the value of your investment continues to grow with each mortgage payment, providing long-term benefits and financial stability.

Ending a mortgage

If you need to move to a larger space, opt for financial liquidity, or change the course of your business, an existing commercial mortgage can offer alternative solutions for you.

The remaining mortgage amount can be paid off by selling the collateral asset, or the property can be rented out without losing ownership.

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Position Your Business For Long-term Success!

Explore your options for a commercial mortgage today and take control of your business’s future.

How to Apply for a Commercial Mortgage Loan in Canada

Securing a commercial mortgage might require more effort and paperwork than a traditional residential loan, but leveraging our expertise makes your pursuit of a commercial mortgage effortless.

To apply for a commercial mortgage loan, you will need to:

Our team at is here to help make your commercial mortgage application easier than ever. As one of Canada's largest retail mortgage brokerages in this field, we can assist you in preparing your financing requirements.

Put an end to your search today and let us help you find the perfect solution to your financial needs!

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Why Choose for Commercial Mortgages?

For over 30 years, we’ve been providing commercial mortgage solutions to business owners in Canada. Our team of experienced brokers understands all the needs and challenges you face as business owners and investors, and we can guide you through the steps to making an informed financial decision.

Our mortgage experts will present a strong solution and a seamless process that will help you reach your business goals.

Been Turned Away by Banks?

We'll Help You Get Approved! is here for you! With our decades of combined expertise, we can make complex commercial financing simple and easy.

Commercial Mortgage FAQs:

To qualify for a commercial mortgage with favorable terms and a competitive interest rate, you may need to provide a down payment of 20% to 50% of the property’s total cost.   The specific down payment requirement may vary depending on the lender, the size of the loan, and your credit. Discussing the down payment requirement with the lender is important and a decision should only be made after receiving expert advice. 

In addition to the interest rate, commercial mortgages may come with various other fees, including: 

  • Appraisal fees to assess the value of the property 
  • Legal fees for document preparation and review 
  • Lender and broker fees for processing the loan
  • Title and mortgage insurance
  • Environmental and building condition report fees to assess the property’s environmental and structural condition. 

Talk to one of our brokers today so we can help you carefully review and understand all fees associated with a commercial mortgage before committing to a loan.

The amount you can borrow through a commercial mortgage may vary depending on the lender and the strength of your business. Some traditional mortgage providers, such as banks and credit unions, may have minimum borrowing limits of $500,000 to $1 million. However, other lenders may offer larger loans of up to $40 million to qualified businesses. It’s important to consider your financing needs and find a broker to help you find the best solution for your business. 

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Want To Find Out If You  Qualify? 

Apply now to find out if you’re eligible for a commercial mortgage.

We've helped a lot of people. See what they have to say!

We’re proud to be top-rated among clients in Canada.

Not all lenders provide second mortgages since they come with more risk. But there are usually three options you can explore:

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