Mortgages By Gurinder: Your Trusted Path To Home Ownership.
COMMERCIAL MORTGAGE
FINANCING
Competitive commercial mortgage solutions for office, retail, industrial, and multi-residential properties. Expert guidance for investors and business owners across Ontario.
COMMERCIAL FINANCING
Financing Income-Producing Real Estate
Commercial mortgages are designed for income-producing and investment properties. Whether you're acquiring, refinancing, or expanding your commercial real estate portfolio, I have access to the lenders and expertise to structure the right deal.
Commercial mortgage underwriting is complex — lenders evaluate the property's income, your business financials, and overall investment viability. Having an experienced broker on your side makes all the difference between an approval and a decline.
Who Benefits Most?
- Property Types We Finance
- Office buildings and professional spaces
- Retail plazas and strip malls
- Industrial warehouses and manufacturing facilities
- Multi-family residential (5+ units)
- Mixed-use commercial/residential properties
- Hotels and hospitality properties
- Development land and construction financing
- Special purpose and unique properties
Institutional & Private Capital
From major banks and life insurance companies to private commercial lenders and credit unions — I source competitive financing from a wide pool of capital sources.
Deal Structuring Expertise
Commercial deals require thoughtful structuring. I help present your file in the best light — maximizing leverage, minimizing cost, and meeting lender requirements.
Construction & Development Finance
Draw-based construction financing for new builds, major renovations, and development projects.
CMHC MLI Select
Access to government-insured commercial financing at preferred rates for eligible multi-family and purpose-built rental properties.
KEY METRICS
What Lenders Evaluate in Commercial Deals
Debt Service Coverage Ratio (DSCR)
Lenders want to see that the property generates enough income to cover mortgage payments — typically a DSCR of 1.20x or higher. I help you prepare accurate income statements to support your file.
Loan-to-Value (LTV)
Commercial LTVs typically range from 65–80% depending on property type, occupancy, and lender. Higher-quality income-producing assets can achieve better leverage ratios.
Amortization & Terms
Commercial mortgages typically amortize over 20–25 years with terms of 1–10 years. I negotiate terms that align with your investment strategy and exit timeline.
OUR PROCESS AT MORTGAGES BY GURINDER
How Commercial Mortgage Finance Works
Deal Analysis
We review the property, financials, and your investment goals to determine the optimal structure.
Lender Sourcing
I approach the right lenders from my network — those who actively want your type of deal.
Term Sheet
Review lender term sheets, negotiate conditions, and secure the commitment letter.
Due Diligence & Close
Environmental, appraisal, and legal due diligence completed, then funded through your lawyer.
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
Broker Lic. M22002006
Brokerage: Tango Financial Mortgage (ON) Corporation, Lic. #13691
Services
Private Mortgage
Commercial Mortgages
Residential Mortgages
Refinancing
Home Purchase
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