Commercial Mortgages

Commercial Mortgage Financing in BC | For Apartments, Offices, Retail & More

Securing financing for a commercial property is fundamentally different from getting a residential mortgage. As a commercial mortgage broker, I specialize in navigating this complex landscape. I provide access to a wide network of lenders—from major banks and credit unions to private investors—to find the right financing solution for your investment or business needs.

Why Work With a Commercial Mortgage Broker?

  • Access to 50+ Lenders: I shop the market for you, from the best A-lender rates to fast, flexible private financing.

  • Expertise in Complex Deals: I handle everything from CMHC-insured multi-family projects to interim construction loans.

  • Save Time & Money: I negotiate terms and manage the process, ensuring you secure the most favorable financing possible.

Your Commercial Financing Solutions

1. Traditional Bank & Credit Union Financing

Ideal for established properties with strong, stable cash flow.

  • Focus: The property's income is the primary qualifier. Personal income is not required.

  • Loan-to-Value (LTV): Typically up to 65-75% for conventional loans.

  • Best For: Purchasing or refinancing stabilized office, retail, industrial, and multi-family properties.

2. CMHC-Insured Commercial Financing

Maximize your purchasing power for qualifying multi-unit residential properties.

  • Maximum LTV: Up to 85%

  • CMHC Premiums: Scale with the LTV (e.g., 2.50% at 75% LTV, 4.50% at 85% LTV). All premiums and fees can be added to the mortgage.

  • Required: A satisfactory AACI Appraisal Report.

  • Best For: Purchasing or refinancing multi-family rental apartments, condominium interim construction, and healthcare facilities.

3. Private Commercial Mortgages & HELOCs

A fast, flexible solution for unique challenges, time-sensitive deals, or when traditional lending isn't an option.

  • No Income Verification: Approval is based on the property's equity and potential.

  • Speed: Funding in as little as 5-10 days.

  • Flexible Terms: Ideal for short-term bridge financing, properties needing renovation, or complex situations.

  • Private Commercial HELOC: Need ongoing access to capital? A Home Equity Line of Credit secured by your commercial property provides a revolving source of funds for business expenses, renovations, or new opportunities.

  • Best For: Bridge financing, properties with low occupancy, credit challenges, or urgent acquisitions.

4. The "Zero Down" Professional Program

Exclusive programs for licensed professionals to own their place of business.

  • How it Works: We can arrange financing for up to 100% of the purchase price.

  • Eligibility: Doctors, Veterinarians, Chiropractors, Dentists, and other designated professionals.

  • Purpose: To purchase commercial property for your own office or practice.

  • Benefit: Preserve your capital while building equity in your own asset.

5. Combining Lenders for Larger Deals

If you don't have the full down payment, we can structure a solution using two lenders.

  • How it Works: A first mortgage from a traditional lender is combined with a second mortgage (often from a private lender) to cover the required down payment and closing costs.

  • Benefit: Allows you to proceed with acquisitions that would otherwise be out of reach.

Types of Commercial Properties We Finance

I have experience arranging financing for a diverse range of commercial assets, including:

  • Multi-Family Rental Apartments

  • Office Buildings

  • Retail Plazas & Stores

  • Industrial Warehouses & Manufacturing

  • Hotels & Motels (Hospitality)

  • Assisted Living & Healthcare Facilities

  • Mixed-Use Properties

  • Land & Farms

  • Interim Construction Loans

Additional Service: Mortgage Debt Restructuring

Is your existing commercial mortgage becoming a burden? I can help restructure your commercial debt to lower your payments, improve cash flow, and align your financing with your current business goals.