Commercial Mortgages in Canada
Flexible financing solutions for your commercial real estate investments. We shop 40+ lenders and match you with a top mortgage professional to find competitive rates
What Are Commercial Mortgages?
Commercial mortgages are specialized loans designed to finance the purchase, refinancing, or development of commercial real estate properties. Unlike residential mortgages that individuals use to buy homes, commercial mortgages serve businesses, investors, and entrepreneurs looking to acquire income-generating properties.
These mortgages differ from residential financing in several key ways. They typically require larger down payments, have shorter loan terms, and are evaluated based on the property's income-generating potential rather than just the borrower's personal income. The underwriting process considers factors like the property's cash flow, debt service coverage ratio, and overall market conditions.
Whether you're expanding your business operations, investing in rental properties, or diversifying your investment portfolio, commercial mortgages provide the financial leverage needed to acquire valuable commercial real estate assets.
Types of Commercial Properties We Finance
We provide financing solutions for a wide range of commercial property types across Canada
Key Features & Benefits
Advantages of choosing our commercial mortgage solutions
Qualification Requirements
Understanding what lenders look for in commercial mortgage applications
The Commercial Mortgage Process
A clear roadmap from application to funding
Commercial vs Residential Mortgages
Understanding the key differences
- -Evaluated based on property income and cash flow
- -Typical down payment: 20-35%
- -Amortization periods up to 25 years
- -Shorter loan terms (5-10 years typically)
- -Higher interest rates than residential
- -More complex approval process
- -Personal guarantees often required
- -Prepayment penalties may apply
- -Evaluated based on borrower's personal income
- -Down payment as low as 5% (with insurance)
- -Amortization periods up to 30 years
- -Longer loan terms (up to 10 years)
- -Lower interest rates
- -Simpler approval process
- -Borrower personally liable
- -More flexible prepayment options
Frequently Asked Questions
Common questions about commercial mortgages
Ready to Finance Your Commercial Property?
We'll connect you with a top mortgage professional in our network who shops 40+ lenders to find the right financing solution for your business investment. Get started today with a free consultation and competitive rate quote.