Sophisticated financing for Edmonton's commercial property market. From small retail units to large-scale industrial facilities — we secure the capital your business needs.
Commercial mortgages are fundamentally different from residential financing — they involve larger loan amounts, more complex underwriting, and lender-specific requirements that vary significantly across institutions. Our dedicated commercial mortgage specialists have deep experience navigating these complexities on behalf of Edmonton business owners, investors, and developers.
We work with a diverse panel of commercial lenders including major banks, credit unions, life insurance companies, CMHC multi-family programs, and private lenders — giving us the breadth to structure financing for virtually any commercial property type and transaction size.
Office Buildings — Single-tenant, multi-tenant, medical offices, and professional suites.
Retail Properties — Strip malls, stand-alone retail, pad sites, and shopping centres.
Industrial & Warehouse — Light industrial, distribution facilities, and flex space.
Multi-Family Residential — Apartment buildings (5+ units), CMHC-insured multi-family.
Mixed-Use Developments — Ground-floor commercial with residential above.
Hotels & Hospitality — Boutique hotels, motels, and extended-stay properties.
Development Land — Pre-zoned land acquisition and lot financing.
Care Facilities — Long-term care, assisted living, and seniors' housing.
Commercial mortgages typically feature shorter amortization periods (15–25 years), more rigorous income documentation requirements based on the property's net operating income (NOI), and loan-to-value (LTV) ratios generally ranging from 65–80% depending on property type and lender. We'll explain how these metrics apply to your specific transaction and optimize your application accordingly.
For qualifying multi-family properties (5+ residential units), CMHC's multi-family insurance programs offer favourable terms: extended amortizations of up to 40 years and LTV ratios of up to 85%. These programs can dramatically improve cash flow and the financial feasibility of larger residential investments. Our specialists are well-versed in CMHC underwriting criteria and application processes.
We also arrange construction mortgages and project finance for developers and builders, with draw schedules structured around project milestones. Our lender relationships in the development finance sector allow us to source competitive terms even for complex, multi-phase projects.