Commercial Mortgages

Commercial deals are about cash flow, sponsor strength, and property quality—in roughly that order. Each lender has a specific appetite. We know who lends on what, at what loan-to-value, and at what rate, before we ever submit your file.

Asset classes we finance

Multi-residential 5+

CMHC-insured (MLI Select) and conventional. Best long-term rates in Canadian real estate.

Retail and mixed-use

Plaza, strip mall, mixed-use buildings with retail and apartments above.

Industrial

Single-tenant and multi-tenant industrial, warehouse, light manufacturing.

Office

Sub-asset class with the most lender caution post-2020—we focus on right-fit lenders.

Owner-occupied commercial

For business owners buying the property they operate from. Often qualifies for SBL programs.

CMHC insured (MLI Select)

For multi-residential 5+ units, CMHC's MLI Select program offers up to 95% LTV, 50-year amortization, and the lowest rates in the market—when the property qualifies on affordability, energy efficiency, or accessibility points. We've structured many of these.

Process and timeline

Commercial deals typically run 60–120 days from term sheet to funding. We manage lender packaging (executive summary, rent roll, financials, environmental, appraisal coordination) so you can focus on operations or the next acquisition.

Frequently asked

What loan-to-value can I expect?

Conventional commercial: 65–75%. CMHC-insured multi-residential: up to 85–95% with MLI Select points. Owner-occupied: up to 85% on small loans.

What's the minimum deal size you work on?

Generally $500K and up. Below that, conventional commercial lenders rarely make economic sense—we may steer you to small-business or residential rental products instead.

Are commercial rates higher than residential?

Yes—typically 50–150 basis points above residential, depending on asset class, LTV, and term. CMHC-insured multi-res is often comparable to insured residential.