Commercial Mortgage across Ontario
Commercial mortgage fit depends on property income, borrower strength, lease quality, use, and exit. We structure the file before it reaches the wrong lender desk.
You need financing for an income property, owner-user building, or business real estate file.
Licensed broker review with no hard credit check at the first-pass stage.
Built for commercial files across Ontario
This page is focused on Toronto, Mississauga, Brampton, Vaughan, Kitchener-Waterloo, Durham. The first review is designed to separate lower-cost institutional options from files that need alternative or private packaging.
Owner-user, mixed-use, retail, office, industrial, or investment property
Purchase, refinance, equity take-out, or bridge financing
Business and property cash flow need to be reviewed together
How we route the file
A good mortgage file can still land with the wrong lender if the story is unclear. We organize the important facts before shopping it around.
Local context
Ontario files vary widely by property type, borrower profile, and lender appetite. The goal is to identify the lender lane before the application becomes noisy.
Review NOI, lease terms, borrower financials, and property use
Match the file to bank, credit union, alternative, or private commercial lenders
Clarify DSCR, amortization, recourse, appraisal, and environmental requirements
Suitability and exit plan
Mortgage strategy should match the borrower, property, timeline, and cost. The first pass is about finding the right lane before a lender application is pushed too far.
Commercial files are structured around the property, borrower strength, cash flow, and exit.
Lenders may require appraisal, environmental review, leases, operating statements, and borrower financials.
Pricing and proceeds can change materially after underwriting, valuation, and condition review.
What matters for Ontario
The pilot covers the first Ontario markets we want to prove before expanding to every municipality above the population threshold.
Documents
- Rent roll, leases, and operating statements
- Business financials or personal net worth statement
- Purchase agreement, appraisal, or mortgage statement
Commercial questions
These are first-pass answers. Final lender fit depends on the property, borrower profile, documents, and timing.
How is a commercial mortgage qualified?
Do commercial lenders need an appraisal?
Can private lenders fund commercial files?
Start with a focused commercial review for Ontario.
The intake takes a few minutes and keeps the mortgage type and location clear for the broker review.
Garrison Capital Corp., operating as Open Financial
Open Financial Lic. 13362.
Principal Broker: Marcel Greaux, Lic. M10002478.
Prefer phone? 647-558-2300. Email mortgages@openfinancial.ca.