Leading Commercial Broker in Ottawa

Commercial Mortgages Ottawa

Commercial Mortgage Broker Ottawa Experts

Every business owner remembers that pivotal moment when your venture outgrows its current space, when you spot the perfect property for expansion, or when you realize it’s time to own rather than rent.

These aren’t just financial decisions; they’re milestones in your entrepreneurial journey.

At Bank Street Mortgage, we’ve spent over 15 years helping Ottawa business owners, investors, and entrepreneurs turn property goals into reality.

We understand that commercial mortgages represent more than financing, they’re investments in your business future, your legacy, and your financial independence.

Best Commercial Real Estate Mortgage Firm in Ontario

Commercial Real Estate Financing Ottawa

Commercial property financing isn’t one-size-fits-all. Every property type, every business situation, and every investor profile tells a different story. Banks often say no to deals that make perfect sense, but we know where to find the “yes.”

As Ottawa’s leading commercial mortgage brokers, we connect you with lenders who understand your vision.

From traditional banks offering competitive rates to private lenders providing creative solutions, we negotiate terms that support your growth.

Property types we finance:

Office buildings – single or multi-tenant commercial spaces
Retail properties – strip malls, standalone stores, shopping centers
Industrial facilities – warehouses, manufacturing, distribution centers
Multi-family residential – apartment buildings, condos (5+ units)
Mixed-use properties – residential and commercial combined
Special purpose – hotels, gas stations, medical buildings

Best Commercial Mortgage Rates and Deals in Ottawa

Getting the best commercial mortgage rates and deals in Ottawa isn’t about luck, it’s about strategic positioning. Lenders evaluate commercial real estate financing differently than residential mortgages, focusing on property cash flow, tenant stability, and your business track record.

How we secure better rates:

Multiple Lender Access: We work with 200+ lenders including major banks, credit unions, alternative lenders, and private investors. Competition drives better terms.

Deal Structuring: We present your proposal in the best possible light—highlighting strengths, addressing concerns proactively, and matching you with lenders who specialize in your property type.

Market Expertise: We know current commercial mortgage rates Ottawa, lending appetite by institution, and which lenders are actively seeking deals like yours.

The difference between a good rate and a great rate can mean thousands in monthly payments and tens of thousands over your mortgage term. That’s capital you can reinvest in your business.

Commercial Mortgage Lenders Ottawa

Not all commercial mortgage lenders are created equal. Some excel at office building financing, others prefer retail properties or industrial complexes. Some require pristine credit and 35% down, while others work with entrepreneurs who’ve faced challenges.

Our lender network includes:

Traditional Banks

Best rates for strong borrowers with established businesses and prime properties. Typically require 25-35% down payment.

Credit Unions

Competitive rates with more flexible underwriting. Often willing to consider local businesses and community-focused projects.

Alternative Lenders

Creative solutions for properties or borrowers that don't fit bank criteria. Higher rates but faster approvals and flexible terms.

Private Lenders

Asset-based lending focused on property value rather than borrower credit. Ideal for time-sensitive deals or challenging situations.

We know which lenders say yes to multi-family mortgage Ottawa deals, who provides the fastest commercial mortgage approval, and which institutions offer the most favorable terms for your specific situation.

Multi-Family and Investment Property Financing We Offer

Bank Street Mortgage has financed countless apartment buildings, duplexes, triplexes, and larger residential complexes across Ottawa.

Why investors choose us:

Cash Flow Analysis: We help you structure deals that work financially, ensuring rental income supports mortgage payments with healthy margins.
Portfolio Growth: Whether this is your first investment or your tenth, we create financing strategies that support long-term portfolio expansion.
Refinancing Options: Unlock equity from existing properties to fund new investments. We specialize in commercial refinancing Ottawa that maximizes your purchasing power.

Your investment property mortgage should accelerate wealth building, not create financial stress. We ensure the numbers make sense before you commit.

Commercial Mortgage Process Simplified

We handle the complexity:

Phase 1 & 2 Environmental Reports

We coordinate environmental assessments and explain results in plain language. Issues don’t automatically kill deals, we know lenders who work with environmental concerns.

Property Appraisals

We arrange commercial appraisals with qualified professionals and ensure lenders receive documentation promptly.

Document Preparation

We gather financial statements, tax returns, business plans, and property information—presenting a complete package that speeds approval.

Lender Negotiations

We advocate for you throughout underwriting, addressing questions quickly and pushing for favorable terms.

FAQ's about Second Mortgages Ottawa

1. What qualifies as a commercial mortgage?

Commercial mortgages finance properties used for business purposes, offices, retail, industrial, multi-family (5+ units), mixed-use, and special purpose buildings. Lenders evaluate these properties based on income potential rather than personal income like residential mortgages.

2. How much down payment do I need for commercial property?

Most commercial mortgage lenders Ottawa require 25-35% down payment for traditional financing. Alternative and private lenders may accept 15-25% down depending on property type, location, and borrower strength. Stronger deals command lower down payment requirements.

3.What are current commercial mortgage rates in Ottawa?

Commercial mortgage rates Ottawa vary based on property type, loan-to-value ratio, tenant quality, and borrower profile. Traditional bank rates typically range 1-2% above residential rates. Alternative lenders charge 2-5% more. Contact us for current rates specific to your property.

4. Do you charge fees for commercial mortgage brokering?

In most cases, no. Lenders compensate us for bringing qualified borrowers, so our services are typically free to clients. We’re transparent about any situation where client fees might apply and discuss this upfront.

5. Why use a commercial mortgage broker instead of a bank?

A broker gives you access to multiple lenders, not just one bank. This increases approval chances and helps secure better rates and terms tailored to your property and business.