COMMERCIAL MORTGAGE SPECIALIST

Commercial Mortgage Financing That Gets Deals Done

From multi-family buildings to land development and construction, Encore Mortgage structures commercial financing solutions across Ontario — even for complex deals banks won’t touch.

(416) 271-4055

Discuss Your Commercial Deal

Confidential. No obligation. We respond within 24 hours.

FSRA Licensed
Commercial Mortgage Certificate
50+ Lender Network
24hr Response Time

Commercial Property Types We Finance

Specialized financing across all major commercial asset classes in Ontario

Multi-Family & Apartment Buildings

Financing for 4+ unit residential income properties, apartment complexes, and multi-family conversions across Ontario.

  • CMHC MLI Select financing available
  • Conventional and insured options
  • Cap rate and NOI based underwriting
  • Refinance, acquisition, and equity takeout

Retail, Office & Industrial

Mortgage solutions for commercial plazas, office buildings, warehouses, and mixed-use properties with existing tenants or stabilized income.

  • Lease-backed income financing
  • Mixed-use and plaza mortgages
  • Warehouse and industrial facilities
  • Owner-occupied and investment properties

Construction Financing

Draw-based construction mortgages for residential and commercial projects, with funding released at each phase of completion.

  • Residential and commercial builds
  • Draw schedule structured to your timeline
  • Spec homes, infill, and multi-unit projects
  • Bridge to conventional on completion

Land & Development

Financing for raw land, serviced lots, and development sites at various stages — from acquisition through to construction ready.

  • Raw land and serviced lots
  • Development site acquisition loans
  • Zoning and entitlement bridge financing
  • Phased development financing

Why Investors & Developers Choose Encore Mortgage

Commercial mortgage financing requires more than just a rate — it requires a broker who understands deal structure, lender appetite, and how to get complex files approved.

  • Commercial Mortgage Brokering Certificate holder
  • Access to 50+ lenders including institutional, trust, and private
  • CMHC MLI Select expertise for multi-family
  • NOI and cap rate analysis included at no cost
  • Construction draw management experience
  • Serving investors and developers across all of Ontario
  • No upfront broker fees on most commercial deals

$500M+

Total mortgages funded across residential and commercial

500+

Clients helped across residential and commercial

50+

Lender relationships including private and institutional

15+

Years of mortgage experience in the Ontario market

How the Commercial Mortgage Process Works

A straightforward process built around your deal timeline

1

Initial Consultation

We review your property, deal structure, and financing goals — at no cost and no obligation.

2

Deal Analysis

We analyze NOI, cap rate, LTV, and lender fit to identify the best financing structure for your deal.

3

Lender Submission

We package and submit your file to the most suitable lenders from our network of 50+ commercial sources.

4

Approval & Close

We manage the approval process, conditions, and closing coordination so your deal closes on time.

Commercial Mortgage FAQs

Common questions from Ontario investors and developers

What is the minimum down payment for a commercial mortgage in Ontario?
Most commercial lenders require a minimum of 20-35% down payment depending on the property type, location, and income profile. Multi-family properties may qualify for CMHC insured financing with as little as 15% down under the MLI Select program.
How is a commercial mortgage different from a residential mortgage?
Commercial mortgages are underwritten based on the income the property generates (NOI and cap rate) rather than just the borrower’s personal income. Terms are typically shorter (1-5 years), and lender requirements, documentation, and approval timelines differ significantly from residential deals.
Can I get a commercial mortgage if I am self-employed or have a corporation?
Yes. Many commercial lenders work with incorporated borrowers and self-employed investors. The primary focus is the property’s income performance and the borrower’s overall financial picture, not just personal T4 income.
What documents do I need for a commercial mortgage application?
Typically: rent rolls, lease agreements, 2 years of operating statements (NOI), property appraisal, purchase agreement or title, corporate documents if applicable, and personal net worth statement. We walk you through exactly what is needed for your specific deal.
What is CMHC MLI Select and do I qualify?
CMHC MLI Select is an insured mortgage program for multi-family properties (5+ units) that offers lower rates and higher LTV in exchange for commitments around affordability, energy efficiency, or accessibility. It is one of the best financing tools for apartment building investors in Canada. We can assess your eligibility at no cost.
How long does a commercial mortgage approval take?
Commercial approvals typically take 2-6 weeks depending on the lender, deal complexity, and how quickly documentation is provided. Construction and development deals may take longer due to additional due diligence requirements.

Ready to Finance Your Next Commercial Deal?

Talk to a commercial mortgage specialist — no obligation, no upfront fees.

📞 (416) 271-4055
Chat on WhatsApp