Commercial Mortgage Financing

Commercial real estate can be a lucrative investment for businesses, but it can also require significant upfront capital. That’s where commercial mortgage financing comes in. Commercial mortgages are loans that are specifically designed for purchasing or refinancing commercial properties. If you are looking for a commercial mortgage in Ontario, Canada, there are several important factors to consider.

First, it’s important to understand the types of commercial mortgages that are available. There are several different types, including fixed-rate mortgages, variable-rate mortgages, and interest-only mortgages. Fixed-rate mortgages have a set interest rate, while variable-rate mortgages have an interest rate that fluctuates based on market conditions. Interest-only mortgages allow you to only pay the interest on the loan.

Applying for a Commercial Mortgage in Ontario?

It is important to work with a lender that understands your specific needs and goals. You need a lender that has experience working with businesses in your industry and has a track record of success. Ideally, one that offers competitive interest rates and flexible repayment terms.

Your best option is to work with a Mortgage Broker that knows commercial financing. A Broker will navigate the complex world of commercial mortgages and connect you with a lender that is a good fit for your needs. Saving you time and money. As your Mortgage Broker, I will negotiate terms and ensure that you are getting the best possible deal.

An important factor to consider when searching for a commercial mortgage in Ontario is the size of the loan. Commercial mortgages need at least a 20% down payment and typically require 35% possibly more depending on details and may also require additional collateral. I’ll ensure you understand the fees & costs for buying or refinancing commercial property.


In addition to finding the right lender and understanding the costs associated with a commercial mortgage, it’s also important to have a solid business plan in place. Lenders want to see that you have a clear vision for your business and a plan for how you will use the property to generate income. This may include projections for future revenue, a marketing plan, and a detailed analysis of your competition.

Considering a commercial mortgage in Ontario, Canada? Work with an experienced Mortgage Broker. With a commercial mortgage, a solid business plan, and the right lender, you can elevate your business to new heights.

Get more information on Construction Financing here.
Get more information on Private Mortgages here.