Commercial Financing

Built Around

Your Property.

Whether you're purchasing, refinancing, or financing

an income-producing property, we help you explore

mortgage solutions based on the property,

financing structure and your goals.

Commercial Financing

Built Around

Your Property.

Commercial Financing

Built Around

Your Property.

Whether you're purchasing, refinancing, or financing an income-producing property, we help you explore mortgage solutions based on the property,financing structure and your goals.

COMMERCIAL FINANCING FOR DIFFERENT PROPERTY GOALS

Whatever You're Financing, Let's Structure It Properly.

From acquiring an income-producing property to refinancing an existing commercial asset, the right mortgage structure depends on the property, the numbers and your financing objectives.

01

Commercial Purchase

Financing for acquiring income-producing properties.

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02

Commercial Refinance

Restructure debt or access available property equity.

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03

Multi-Unit Properties

Financing for qualifying apartment and multi-residential properties.

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04

Retail & Office

Mortgage solutions for established commercial spaces.

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05

Industrial Properties

Financing for industrial and owner-occupied properties.

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06

Construction & Development

Financing options for qualifying construction and development projects.

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THE COMMERCIAL FINANCING PROCESS

From Property Analysis to Funding —

Here's How We Structure the Deal.

Every commercial mortgage is different. We look at the property, the numbers and

your financing objectives before identifying and comparing suitable lending options.

01
ASSESS

Financing Assessment

We understand the purpose, borrower profile, existing debt and financing requirements.

WHAT WE ASSESS Purpose · Debt · Borrower
02
PROPERTY

Property Analysis

We assess the property's value, income potential, existing financing and overall position.

PROPERTY METRICS Value · NOI · LTV
03
STRUCTURE

Deal Structuring

We determine an appropriate loan structure based on the property and financing objectives.

LOAN STRUCTURE Loan Amount · LTV · Term · Amortization
04
PLACE

Lender Placement

We identify and compare lenders suited to the property's profile and financing structure.

WE COMPARE Rate · LTV · DSCR · Fees
05
FUND

Approval & Funding

We work through lender conditions and coordinate the steps required to get the mortgage funded.

FINAL STAGE Conditions · Legal · Appraisal · Funding

WHY WORK WITH GURINDER

Commercial Financing Requires More Than Finding a Rate.

The right commercial mortgage depends on how the property, borrower and financing structure come together. I help you understand the options, compare the trade-offs and move the deal forward with a clear strategy.

01

100+ Lenders

Access to a broad network of banks, credit unions, MICs and alternative lenders.

02

Deal-Focused Approach

We look at the complete financing picture—not just a single qualification metric.

03

Commercial & Complex Files

Solutions for different property types, financing objectives and more complicated scenarios.

04

Ontario-Wide

Commercial mortgage solutions for borrowers and properties across Ontario.

COMMERCIAL MORTGAGES — FAQ

Questions Before You Move Forward?

What types of commercial properties can you finance?

Commercial mortgage options can be available for a range of properties, including multi-unit residential, retail, office, industrial, and qualifying construction or development projects. The available financing depends on the property, borrower and overall deal structure.

Can I get a commercial mortgage if my situation isn't straightforward?

Potentially. Commercial financing is assessed differently from a standard residential mortgage. Factors such as the property, income potential, existing debt, equity and financing purpose can all be considered when structuring the deal.

How much can I borrow for a commercial property?

The amount you may qualify for depends on factors such as the property's value, income, existing financing, borrower profile and the lender's requirements. We assess the complete picture before determining what financing options may be realistic.

Can I refinance an existing commercial property?

Yes. Commercial refinancing can be used to restructure existing debt, improve financing terms, access available equity, or support another business or investment objective.

What documents will I need?

Depending on the property and financing request, lenders may require information about the borrower, property, existing debt, income or property cash flow, financial statements, leases, purchase documents and other supporting information.

How long does a commercial mortgage take?

Timelines vary depending on the property, financing structure, lender and complexity of the file. Once we understand the deal, we can outline the likely steps and what may be required to move it forward.

FREE PERSONALIZED STRATEGY SESSION

Secure Your Consultation with Mortgages By Gurinder

Take the decisive step with us toward optimizing your mortgage and real estate portfolio. In this complimentary, expert-led session, our licensed team will evaluate your current position and develop a tailored financial strategy built on trust and expertise.

  • Zero obligation or hidden consulting fees from Mortgages By Gurinder
  • Personalized rate and financing term analysis by our licensed brokerage
  • Actionable, step-by-step mortgage portfolio roadmap tailored to you