Conventional Commercial Mortgages
Longer-term mortgage financing for stabilized assets, acquisitions, renewals and refinances.
Commercial mortgage advisory across Canada
Capital built around your commercial real estate strategy.
Structured financing for acquisitions, refinances, insured multi-family, bridge requirements and construction projects across Canada.
Why borrowers choose CMC
One commercial file, multiple capital paths.
Commercial Mortgage Canada packages your request around the asset, borrower strength, income profile, lender appetite and exit strategy.
Instead of sending a generic application into the market, we shape the file so lenders can understand the opportunity, the risks and the structure quickly.
The result is a cleaner review path for borrowers seeking bank, credit union, alternative or private capital for commercial real estate.
Financing programs
Structured capital for income property, business property and development.
Every transaction is reviewed for proceeds, timing, risk, lender appetite and the cleanest route to approval.
Insured Multi-Family Financing
CMHC-oriented strategies for eligible apartment, rental, affordable and senior housing properties.
Bridge and Transitional Capital
Shorter-term financing for acquisitions, repositioning, lease-up, maturities and defined takeout plans.
Construction and Development
Project financing pathways for experienced sponsors with budgets, timelines and exit strategies.
Services
Commercial mortgage solutions for growth, acquisition and capital access.
Built for business owners, investors and developers who need clear options, responsive execution and a lender-ready presentation.
01
Property Purchases
Financing structures for business owners and investors acquiring commercial real estate.
02
Refinancing
Commercial mortgage refinancing for improved terms, maturity management or debt consolidation.
03
Equity Take-Outs
Access property equity for business expansion, acquisition plans or balance sheet flexibility.
04
Construction Financing
Funding pathways for experienced developers and commercial construction projects.
05
Bridge Financing
Shorter-term capital for qualified commercial transactions with defined takeout strategies.
06
Bank and Alternative Lending
Access to Schedule A banks, credit unions, alternative lenders and private capital providers.
Property types
Financing for a broad range of Canadian commercial real estate.
From stabilized income property to owner-user real estate and development sites, the structure starts with how the asset performs today and where it is going next.
Industrial and warehouse
Office and professional
Retail and plazas
Multi-family apartments
Mixed-use properties
Student and senior housing
Hospitality and special-use
Land and development sites
Process
From early sizing to lender-ready submission.
Initial application
We collect the property, borrower, requested amount, timing and transaction objective.
Loan sizing
Debt service, loan-to-value, amortization, term, reserves and security are reviewed early.
Capital strategy
The file is matched to bank, insured, credit union, alternative or private lender channels.
Terms and closing
Borrowers review conditions, documentation, timing and funding requirements before proceeding.
Representative scenarios
The right structure depends on the property, income and business plan.
Investor purchase of stabilized industrial, retail, office or mixed-use property.
Maturity management, equity release, debt consolidation or improved long-term structure.
Land, construction and takeout planning for experienced sponsors and builders.
FAQ
Commercial mortgage questions borrowers ask early.
Get a quick view of how lenders assess commercial mortgage requests before you submit a file.
What matters most in commercial mortgage underwriting?
Lenders review the property, borrower, income, loan-to-value, debt service coverage, market, lease profile, environmental risk and exit strategy. Personal strength matters, but income-producing commercial property is heavily assessed on the asset's cash flow.
How much can I borrow on a commercial property?
The answer depends on property type, value, net operating income, debt service coverage, lender channel and transaction purpose. Stabilized income properties often size differently than construction, land, hospitality or bridge scenarios.
What documents should I prepare?
Useful starting documents include a rent roll, operating statements, purchase agreement or mortgage statement, property tax bill, borrower financials, corporate structure, appraisal if available and a clear summary of the request.
Target Market
For established owners, investors and developers.
Commercial Mortgage Canada should feel credible, clean and institutional from the first impression.
Best suited for commercial borrowers with strong credit, established income and meaningful real estate transactions.
Ideal audience
- Business owners who own or are purchasing their property
- Investors purchasing properties valued at $2 million or more
- Borrowers seeking Schedule A bank financing
- Commercial borrowers with strong credit and established income
- Developers and experienced real estate investors
- Owners refinancing to access capital for expansion
Have a commercial deal to discuss?
Send the property location, approximate value, financing amount required and whether the request is for a purchase, refinance or equity take-out.