Commercial Mortgage Broker Canada

Commercial Real Estate Financing

Commercial real estate financing across Canada for purchases, refinances, construction, and renewals, with access to bank, credit union, and private lenders. We compare options, explain rates, fees, and timelines, and coordinate appraisal and legal so funding stays on track. If you want a clear starting point or a second look at your file, reach out for a short, no pressure call.

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Where We Can Help

Local nuance, national reach. We work across BC, Alberta, and Ontario—pairing on-the-ground knowledge with a broad lender network to secure sharper rates, better structures, and smoother closings.

British Columbia

Commercial mortgages in British Columbia for acquisitions, refinances, and construction, covering Vancouver Island, the Lower Mainland, and the Okanagan.

Alberta

Commercial mortgages in Alberta for purchase, refinance, and development. From Calgary to Edmonton and beyond. Leverage lender competition to get stronger rates and structures.

Ontario

Commercial mortgages in Ontario for investors and owner-occupiers. Toronto, Ottawa, and across the province. We package your file to earn sharper pricing and smoother closings.

What We Finance

From acquisitions and CMHC-insured rentals to construction loans, bridge financing, seconds and mezzanine. One point of contact to compare terms and keep your file moving.

Buy a Commercial Property (Owner-User or Investor)

Acquire a building for your business or portfolio with financing tailored to cash flow, down payment, and property type—retail, office, industrial, or multifamily.

CMHC-Insured Apartment Financing (5+ Units)

For landlords and developers seeking the lowest long-term rates on rental buildings, with CMHC insurance, longer amortizations, and strong proceeds based on stabilized NOI.

Construction Financing (Commercial & Multifamily Developers)

For builders and owners needing land, site-servicing, and ground-up construction loans with interest-only draws, cost-to-complete controls, and flexible take-out plans.

Refinance a Commercial Property (Equity Take-Out)

For landlords and owner-users unlocking equity to fund renovations, acquisitions, or working capital—optimize LTV, term, and prepayment to fit your strategy.

Bridge Loans for Time-Sensitive Purchases & Refinances

For buyers facing tight timelines, conditional sales, or repositioning plans—short-term interest-only financing until lease-up, stabilization, or permanent debt.

Private Commercial Mortgages (Alternative Lending)

For unique, story-based files—imperfect credit, complex income, or transitional assets—fast approvals, flexible structure, and common-sense underwriting.

Second Mortgages on Commercial Real Estate

For owners needing additional capital behind a first mortgage—fund improvements, payouts, or growth without disturbing existing financing.

Mezzanine Financing for Larger Projects

For developers and investors filling the gap between equity and senior debt—enhance leverage, maintain control, and complete your capital stack efficiently.

Commercial Properties We Finance

Industrial, retail, office, multifamily and more. If the real estate produces income (or will), we can likely finance it.

Multi-Unit Residential

Financing for apartment buildings and mixed-use rentals. Buy, refinance, or build with terms that fit your rental income and goals.

Office Property

Financing for office space, from small suites to full buildings. Buy, refinance, renovate, or adapt for new tenants and better use.

Industrial Property

Financing for warehouses, logistics space, and light industrial. Buy, refinance, expand, or build with options that support reliable operations and growth.

Retail & Shopping Centres

Financing for streetfront shops and shopping centers. Buy, refinance, renovate, or complete tenant improvements to strengthen cash flow.

Hotel & Hospitality

Financing for hotels, motels, and boutique properties. Buy, refinance, refresh rooms, or reposition to improve occupancy and revenue.

Land Development

Financing for raw or serviced land. Acquire, subdivide, service, or prepare sites for construction with options suited to each phase.

Farm & Agriculture

Financing for farmland and agri-business facilities. Buy, refinance, expand operations, or upgrade equipment and infrastructure.

Self Storage

Financing for storage facilities of all sizes. Buy, refinance, expand, or convert properties with stable, recurring income.

Student Housing

Financing for purpose-built or converted student rentals. Buy, refinance, renovate, or build near campus with options aligned to academic cycles.

Retirement Housing

Financing for senior living communities. Buy, refinance, renovate, or build with a focus on stable occupancy and resident care.

Frequently Asked Questions

Most files move from application to funding in 4–8 weeks, depending on reports (appraisal, environmental), lender queue, and legal complexity. Bridge loans can be faster.

Commercial lending is very relationship- and experience-driven. The same deal can land two very different results depending on how it’s packaged and who presents it. If the story, numbers, and mitigants aren’t framed the way a lender’s risk team expects, solid applications can be either declined or approved with a higher rate and stricter terms than necessary. We know how each lender underwrites, so we build the narrative, highlight the right strengths, and address weaknesses up front. More than once, we’ve taken a file a major bank declined, repackaged it, and received an approval at that same bank.

Commercial loans are “base-plus” priced, not one sticker rate.

Fixed: typically Government of Canada bond (or CMB) + lender spread
Variable: typically Prime/CORRA + lender spread
Your final rate depends on the asset, leverage (LTV/LTC), DSCR/debt yield, term, location, and covenant strength. Every lender has their own risk assessment, so quotes are unique to each application.
For the current base rates and a sense of the spreads being charged, see our Rates page.

Our fee is ranges from 1%–2% of the loan amount, depending on complexity. Very small mortgages may have a higher percentage or a minimum fee. We disclose fees up front and they’re paid at funding. The broker fee is separate from what fees a lender may charge, but it will all be disclosed upfront.

Commercial deals have more third-party work than home loans, so costs (especially appraisal and legal )are higher.

Appraisal (commercial): lender-ordered, you pay; deposit up front.
Environmental (Phase I; Phase II if needed): case-by-case; deposit up front.
Legal: you pay your lawyer and the lender’s legal; includes title searches/insurance and registrations.
Lender fees: commitment/underwriting; alt/private lenders may charge points/admin.
Broker fee: 1%–2% of the loan (higher possible on very small mortgages), disclosed up front; paid at funding.
Other (if required): Building Condition Assessment, survey, zoning letters, draw/inspection fees on construction/bridge.

When paid: reports need deposits when ordered; most other fees settle at closing from proceeds.

Ready to Compare Your Options?

Get clear, side-by-side financing options for your property. In a quick call, we’ll map the best path—rate, leverage, timeline—so you can decide what to do next. No pressure.

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