Service Areas
Commercial Mortgages in Alberta
Financing solutions for Alberta's commercial real estate market, from Calgary and Edmonton to resource communities across the province.
Alberta at a Glance
Property Types We Finance in Alberta
Alberta's diversifying economy supports a broad range of commercial asset classes. We arrange financing across all major property categories.
Approval Requirements
- Current property appraisal from an AACI-designated appraiser
- Phase I environmental site assessment
- Two to three years of property financial statements
- Borrower net worth statement and tax documentation
- Detailed rent roll for income-producing properties
CMHC Insurance in Alberta
Multi-family rental properties with five or more units in Alberta may qualify for CMHC mortgage loan insurance. This enables up to 85% LTV, amortization periods to 40 years, and access to institutional interest rates.
Calgary and Edmonton's growing populations and expanding rental demand make CMHC-insured financing a strong option for purpose-built rental projects and existing apartment building acquisitions.
Local Coverage
Cities We Serve in Alberta
Alberta Commercial Mortgage FAQs
Lenders evaluate Alberta deals with an awareness of the province's resource-driven cycles. Properties in diversified markets like Calgary and Edmonton typically receive standard underwriting treatment, while assets in resource-dependent communities may face higher equity requirements or shorter terms to account for economic variability.
Conventional commercial mortgages in Alberta generally range from 65% to 75% loan-to-value. CMHC-insured multi-family properties can qualify for up to 85% LTV. Private lenders offer equity-based solutions up to 80% LTV for borrowers who need alternatives to institutional financing.
The Real Estate Council of Alberta (RECA) oversees mortgage brokerage activity in the province. As a licensed brokerage operating in Alberta, we comply with all RECA requirements including proper disclosure, record keeping, and trust account management for commercial mortgage transactions.
Yes. We work with lenders who understand Alberta's industrial landscape, including properties serving the oil and gas sector. Financing is available for warehouses, fabrication shops, pipe yards, and logistics facilities. Loan terms depend on lease quality, tenant strength, and location.
Standard institutional deals close within 30 to 60 days. CMHC-insured applications require 45 to 90 days for full underwriting and approval. Private commercial mortgages can fund in 5 to 15 business days, which is particularly useful for time-sensitive acquisitions or bridge situations.
Ready to Finance Your Alberta Property?
Submit your deal details and receive a financing recommendation tailored to Alberta's market conditions within 24 hours.