Commercial Mortgages in Toronto & GTA

It depends on the property type and how much equity you hold. Commercial loan-to-value ratios are typically more conservative than residential, so the amount available is driven mainly by the building's value and your equity position. We assess each file individually rather than applying a single fixed cap.

Rates vary with the property, the term, your equity, and overall risk on the deal. Equity-based and alternative commercial financing usually prices above bank rates because it carries more flexibility and faster timelines. We quote on a per-deal basis once we understand the property, so you get a real number rather than a teaser.

Yes. This is one of the main reasons borrowers come to us. We focus on the equity and the property rather than requiring the income documentation a bank demands, which suits business owners, investors, and anyone whose income doesn't fit a standard template.

Because we lend directly and base decisions on equity, commercial files generally move faster than the bank process. Timelines depend on the appraisal, legal work, and property complexity, but straightforward deals can move quickly when the equity is clear.

Yes. We work across the GTA and surrounding regions, including Durham, York, Peel, Halton, and Hamilton. Property values and equity levels in these markets make commercial financing practical throughout the area.

Both. We have our own commercial lending products and fund many deals directly. When a partner lender offers better pricing or a structure we don't carry, we can place the deal there as a licensed brokerage. If you also need flexible, equity-driven options on other property, our private mortgages may fit alongside a commercial file.