COMMERCIAL MORTGAGES Toronto

With a commercial mortgage, the lender gives you the money you need to buy your commercial property and the lender uses the property as collateral. The borrower is often a business or a company as opposed to an individual.
for a free consultation
Need a Mortgage?

Reliable Commercial Mortgage Broker in Toronto


A business could be incorporated, a limited company, or a partnership, which makes assessing credit history more complicated. Repayment is dependent on the health of the business/company. Whereas a borrower will do anything possible to make monthly mortgage repayments to avoid being kicked out of his/her home, a business that is not doing well may simply declare bankruptcy. This risk leads to mortgage rates that are significantly higher than those of residential mortgages. This is why you need a mortgage broker. We will help you get a lender with the lowest possible rates.


Mortgage Offers
pick the one thats right for you.
  • get
    $ 2,000
    on purchase over
    $500, 000
  • Receive
    $ 1,400
    when you transfer
    your mortgage of over $500,000
  • complimentary
    12 months
    Home service plan
    fint out more

We deal it!

We deal in all types of commercial properties. We also deal in pure residential real estate where such properties are bought as an investment. The types of properties that qualify for commercial mortgages and their maximum loan-to-value ratio are:
  • Storefront with Apartments (mixed) at 80%
  • Pure (multi-family) residential (1 to 4 units)
  • Pure (multi-family) residential (more than 5 units) at 85%
  • Commercial plaza mortgage at 75%
  • Commercial plaza mortgage at 75%
  • Industrial mortgage at 75%
  • Farmland mortgage at 55%
Featured Rates
Fixed
  • Lender
  • Rate
  • Term
  • Toronto-Dominion
    2.34%
    5 years
  • Scotiabank
    2.39%
    2 years
  • CMLS
    2.29%
    3 years
  • RFA
    2.44%
    5 years
  • First National Bank
    1.99%
    4 years
  • DUCA
    1.98%
    2 year
  • B2B
    2.84%
    2 years
  • Meridian
    2.19%
    5 years
  • RMG Mortgage
    2.29%
    5 years
  • Manulife Bank
    2.14%
    5 years
Variable
  • Lender
  • Rate
  • Home Trust
    4.49%
    5 years
  • Mcap
    2.15%
    5 years
Other
  • Type
  • Rate
  • Secured line of credit
    2.95%
  • Private mortgages
    5.99%
Questions?
We Are Here to Help


The debt service coverage ratio is the main qualification criterion lenders use. This is the ratio of available cash to the cash required to make mortgage repayments. The lender will expect your business or company to be making a steady profit. We will help you prove that your business is steady by providing such things as financial projections and business plans. The loan-to-value-ration given by most lenders require borrowers to invest some of their own money. Note the available funds need to be liquid and not in equity. Another reason you need our team is that we hasten the process. It takes between 60 days and a year for a commercial mortgage to go through. Our relationship with lenders allows us to get your mortgage in a good time. Commercial mortgage lenders do not usually advertise their lending criteria and rates, making it difficult for borrowers to compare different lenders. We know Toronto mortgage lenders and we will assist you to compare different offerings. You will be expected to make a big down payment on a commercial mortgage. For a mixed property, this falls between 20% and 35%. For purely commercial property, this can go as high as 50%. The exact amount depends on your risk profile. We will ensure that your risk profile is favorable to reduce the down payment requirement.


Purchase or Refinance
for a free consultation
What our CLients Say
Customer Testimonials
  • Avatar Boyd Wehner ★★★★★
    I used Nick to renew my mortgage. He found me a better deal than my bank could offer and I intend to use him again the next time I need to renew. Nick did all the work, he made it easy and simple for me. He really knows his stuff!
  • Avatar Nicole B. ★★★★★
    I have been dealing with Masoud for my first mortgage back in 2016 and my second mortgage in 2019. He has always been of great help and easy access. He is the first person I go to with regards to mortgage questions. Keep up the good work guys!!
  • Avatar kit cathe ★★★★★
    Working with Masoud was a great experience. We learned about mortgage options that were new to us as we were first-time buyers. Knowledgeable and helpful with no pressure, we were able to make an informed decision that worked out very well for our needs.
  • Avatar David Smith ★★★★★
    I can't recommend Masoud enough if you need a mortgage, a renewal, or even help getting to that point. He is extremely knowledgeable and resourceful and works incredibly hard for his clients! He’s done our first mortgage in 2014, refinance in 2028 and now our second mortgage this winter.
Contact Us
Mortgage Brokers That Get You Approved
Across Toronto
…we offer a piece of mind when it comes to your mortgage needs every single time.