Office markets vary by submarket and tenant profile. Class A towers, suburban campuses, medical buildings, and strata offices each underwrite differently. We simplify the path by matching loan structure to your business plan, then bringing targeted quotes that fit the rent roll, rollover schedule, and building condition.
Who We Serve
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Owner-operators buying or refinancing their premises
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Professional and medical practices acquiring strata offices
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Investors purchasing stabilized office or mixed-use assets
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Sponsors repositioning vacancy through improvements and leasing
Properties We Finance
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Downtown and suburban office: From boutique to campus settings
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Medical and professional buildings: Clinics, dental, and allied health
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Strata office: Individual units or floors with condo-corp governance
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Mixed-use with office components: Office over retail or integrated projects
Eligible Scenarios
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Purchase: Stabilized or near-stabilized assets sized to in-place income
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Refinance: Lower rate, longer amortization, or equity release for capex
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Value-add and bridge: Fund renovations, TI and LC, and lease-up
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Strata acquisitions: Fit-for-purpose terms aligned to corporation budgets and bylaws
How Office Space Financing Is Structured
We start with tenancy, rollover, and your next two years of plans.
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Leverage: Sized to DSCR, tenancy strength, and remaining terms
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Rates and terms: Fixed or variable from 1 to 10 years with sensible prepayment options
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Amortization: Typically 20 to 30 years on income properties
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Covenants: Practical reserves, reporting, and build-out allowances that match the plan
Typical Loan Parameters and Eligibility
(Actual terms vary by asset quality, market, sponsor strength, and lender policy.)
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LTV: Often 55 to 70 percent on conventional office; case by case for strata and medical
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DSCR: Commonly 1.25x or higher on stabilized NOI
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Security and recourse: First mortgage standard; guarantees vary by leverage and deal size
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Sponsor profile: Relevant experience, adequate net worth and liquidity, credible operating plan
Streamlined Documents Checklist
We stage what is needed to keep momentum.
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Property and income: Current rent roll, T12, major leases and amendments, insurance, taxes
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Reports: Appraisal, Phase I ESA, and building condition where required
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Strata office: Corporation budgets, bylaws, reserve fund info, and recent minutes if applicable
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Value-add: Capex scope, TI and LC assumptions, leasing pipeline
Process and Timelines
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Initial review (1 to 3 business days): Indicative sizing and lender short list
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Term sheets (3 to 10 business days): Competitive quotes matched to your goals
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Diligence and approvals (2 to 6 weeks): Appraisal, environmental, legal, and conditions
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Closing and funding: Conditions satisfied, insurance bound, security registered
Why Work With Us
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Structure first: We fit the loan to your plan, then pick the right lender
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Breadth of capital: Banks, credit unions, alternative and private capital
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Clarity and speed: Milestones, early issue spotting, and plain language
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National coverage: Major metros and strong secondary markets across Canada
Get Started
Tell us a bit about your project and goals, and we will outline practical options for office space mortgages in Canada so you can compare terms and move forward with confidence.
