Purchase financing for commercial real estate across Canada for owner occupied and investment properties. We compare lenders and outline down payment, rates, fees, and closing steps with straightforward requirements and realistic timelines. If you want a clear starting point or a second opinion, book a quick, no pressure call.
Purchase financing varies by asset, tenancy, and market. We simplify it. Whether you are acquiring a stabilized plaza, an industrial condo, or a multi-family building, we size to the property’s income and your strategy, then bring targeted quotes that fit the timeline and risk.
Investors growing a portfolio of stabilized assets
Owner-operators buying their premises
Value-add buyers planning light renovations or re-tenanting
Multi-family buyers pursuing conventional or CMHC-insured execution
Multi-unit residential (5+): Market rental, CMHC where it helps
Industrial: Distribution, last-mile, flex and condo bays, light manufacturing
Office: Medical, professional, suburban and downtown, strata or freehold
Retail & Mixed-Use: Neighbourhood plazas, street-front retail with residential above
Specialty: Self-storage and select housing types where fundamentals support it
Acquisition of stabilized assets: Underwritten to in-place income
Value-add purchases: Pro forma considered with credible lease-up and costs
Sale-leaseback: Structure aligned to tenant credit and term
Portfolio roll-ups: Coordinated closes and staggered debt where needed
We start with your business plan and the tenancy profile, then build the capital stack.
Leverage: Sized to debt service and lender policy
Rates: Fixed or variable with sensible prepayment options
Amortization: Typically 20 to 30 years on income properties
Covenants: Practical DSCR tests, reserves, and reporting that fit your plan
(Actual terms depend on asset quality, sponsor strength, market, and lender policy.)
Loan-to-Value: Often 55 to 75 percent for conventional; higher on qualifying CMHC rental
DSCR: Commonly 1.20x to 1.35x based on stabilized NOI
Term: 1 to 10 years with renewal options
Security & recourse: First mortgage standard; recourse varies by leverage and deal size
Sponsor: Relevant experience, adequate net worth and liquidity, clean compliance history
We stage requests so diligence does not slow your close.
Property: Rent roll, trailing 12-month statement, leases and key amendments, tax bills, insurance
Reports: Appraisal, Phase I ESA (and Phase II if flagged), building condition report
Corporate & sponsor: Net worth and liquidity summary, org chart, recent financials and tax filings
If value-add: Capex budget, schedule, leasing plan or LOIs
Initial review (1 to 3 business days): Indicative sizing and lender short-list
Term sheets (3 to 10 business days): Competitive quotes matched to your close date
Diligence and approvals (2 to 6 weeks): Appraisal, environmental, legal, and conditions
Closing: Insurance bound, security registered, funds advanced on schedule
Structure first: We fit the debt to your plan, then pick the right lender
Breadth of capital: Banks, credit unions, alternative and private capital, plus CMHC on rental
Clarity and speed: Clear milestones, quick reads on issues, plain language
National coverage: Major metros and strong secondary markets across Canada
Schedule your free, no-pressure consultation.
