Commercial Mortgages in Ontario

We arrange financing for all major commercial property types across Ontario including multi-family apartment buildings, office towers, retail plazas, industrial warehouses, hotels, mixed-use developments, land acquisitions, and specialty properties such as self-storage and gas stations.

Ontario mortgage brokerages must be licensed under the Financial Services Regulatory Authority (FSRA, formerly FSCO). Our brokerage holds License #12978, ensuring all transactions comply with provincial regulations, disclosure requirements, and consumer protection standards.

Conventional commercial mortgages in Ontario typically range from 65% to 75% loan-to-value. CMHC-insured multi-family properties can qualify for up to 85% LTV. Private lenders may offer up to 80% LTV based on as-is property value for borrowers who do not qualify through institutional channels.

The Greater Toronto Area remains one of Canada's most active commercial real estate markets. Strong demand across all asset classes means lenders compete aggressively for quality deals, often resulting in favorable rates and terms for well-positioned borrowers.

Institutional commercial mortgages generally close within 30 to 60 days from application. CMHC-insured deals may take 45 to 90 days due to additional underwriting requirements. Private commercial mortgages can close in as little as 5 to 10 business days when time-sensitive situations arise.

Yes. Many of our lending partners evaluate deals based primarily on the property's net operating income and equity position rather than relying solely on the borrower's personal income. Self-employed borrowers, newcomers to Canada, and investors with complex income structures all have viable financing paths.