COMMERCIAL MORTGAGES · OTTAWA

Bring Us the Deal. We’ll Find the Financing That Fits.

Buying, refinancing or restructuring a commercial property in Ottawa? We help you make sense of the numbers, navigate lender requirements and identify the financing path that fits the deal.

COMMERCIAL MORTGAGES · OTTAWA

What Are You Financing?

Explore financing options across office, retail, industrial, multi-family, mixed-use, and other commercial properties.

Office Buildings

Retail Properties

Industrial Facilities

Multi-Family Properties

Mixed-Use Properties

Special-Purpose Properties

Bridge & Acquisition

Land & Construction

You Don't Need More Lenders. You Need the Right Lender for the Deal.

Bank Street helps match your commercial property and financing needs with lender options suited to the deal, structure, and requirements.

Understand the Deal

We align property NOI, lease terms, and sponsor balance sheet metrics strictly against institutional credit committee requirements before submission.

Match the Lender

We evaluate amortization terms (25-35 yrs), prepayment penalties, recourse vs. non-recourse provisions, and interest-only periods to optimize cash flow.

Structure the Financing

Our team manages the critical commercial appraisal selection, Phase I Environmental site assessment (ESA) requirements, and legal documentation to close.

What Commercial Lenders Look At

Assess the property, financials, tenant stability, asset type and overall deal structure to help identify suitable financing options.

Debt Service Coverage

Most Canadian institutional lenders require a minimum 1.20x to 1.35x DSCR based on normalized Net Operating Income after deducting realistic management.

Tenant Profile & Stability

Weighted Average Lease Term (WALT), corporate vs personal tenant guarantees, rollover risk, and historical payment records dictate maximum debt limits.

Ottawa Sub-market Zoning

Physical condition, Phase 1 environmental clearance, municipal zoning compliance, and proximity to major transit arteries (LRT Line 1/2, Queensway corridor).

Net Worth & Liquidity

Borrower experience, unencumbered liquid liquidity buffers, historical asset management track record, and credit standing support the debt facility.

Structure & Amortization

Selecting between fixed-rate term debt, floating prime-based credit facilities, or interest-only periods during repositioning to safeguard project returns.

Exit Capital Strategy

Every interim or bridge facility requires a verifiable takeout strategy, whether through stabilization into a CMHC mortgage or conventional permanent bank debt.

Why Choose us?

Why Bank Street?

Hands-On Execution

Support with appraisal, environmental, documents and lender coordination.

Deal Structuring

Help navigate the financing structure.

Multiple Lender Channels

Access across different lender types.

Ottawa Experience

15+ years serving the Ottawa market.

Years of Experience
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Happy Clients
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How It Works

01

Tell Us the Deal

Share the basics of your commercial property.

02

Review the Numbers

Understand the property and financing requirements.

03

Approach Suitable Lenders

Identify lender options that fit the deal.

04

Coordinate Financing

Move the financing process forward.

Testimonials

What Our Clients Say

Our top priority is customer satisfaction, and we work closely with clients to understand their unique needs and goals.
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MN G profile picture
MN G
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Lawrence helped me get a mortgage on both our homes. We had a wonderful experience with him, getting us the best rates and approved quickly and without any stress. 🙏
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Ayan Zia profile picture
Ayan Zia
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Bank Street Mortgage helped me refinance my home, it was a great experience working with them. 5/5
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Mohamed Selim profile picture
Mohamed Selim
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I recently had the pleasure of working with Lawrence and I cannot express enough how grateful I am for his outstanding service. As a first-time homebuyer, navigating the mortgage process was very stressful, but Lawrence made the experience seamless and stress-free. After facing setbacks with another broker, I was fortunate to find Lawrence through a family friend. What stood out the most was his efficiency and dedication to securing the best mortgage for me. Despite the challenges I faced previously, Lawrence successfully closed the deal within just one week! His professionalism and attention to detail were evident throughout the entire process. Lawrence took the time to understand my specific needs and financial situation, providing personalized guidance and ensuring I felt confident in my decisions. I also appreciated Lawrence's transparency and clear communication. He kept me informed at every step, making sure I understood the terms of the mortgage and answering any questions I had promptly. In addition to his expertise, Lawrence demonstrated a genuine commitment to helping me achieve my goal of homeownership. His dedication and quick turnaround were truly impressive. Thank you Lawrence. Hope you the best.
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Salahudeen Ayoubi profile picture
Salahudeen Ayoubi
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We had a very short time to close our home but Lawrence and Abigail were able to do it for us. We truly felt like we were their top priority from beginning to end and we were kept updated at all times. I would definitely recommend Lawrence and Abigail for any mortgage needs.
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Trevor H profile picture
Trevor H
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Been doing business with Fawaz Saleh for over 7 years on several transactions! always excellent service, punctual and will give an honest opinion. If your looking for financing, would highly recommend.
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adam bilderberg profile picture
adam bilderberg
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Lawrence is a professional and really treats his clients with utmost respect and is very understanding with their financial circumstances. He goes above and beyond to find a solution that is fit for their purpose and value for money. I really appreciated the way he treated us in taking us through each step of the way. I would definitely recommend his services!!!
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Jamshaid Tareen profile picture
Jamshaid Tareen
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Fawaz Lawrence Saleh is very knowledgeable and professional mortgage broker. He was so helpful in getting the good rate for my home. I greatly appreciate his work and recommend his service.
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Kyla Montminy-Ball profile picture
Kyla Montminy-Ball
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Absoluetly, an amazing place to deal with. Lawrence went above and beyond all expectations to get the perfect mortgage for me.
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Jenan Ayoub profile picture
Jenan Ayoub
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Lawrence was an absolute gem. He was so helpful! He not only got me an amazing rate for my house but when I had such horrible credit he gave me advice on how to improve it so I can make the most of my first time buying a house with the best rate I could find!
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Siem Goitom profile picture
Siem Goitom
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Not one to leave reviews, but felt compelled after my experience at Centum Bank Street Mortgage. Fawaz was not just knowledgeable about the entire process, but walked us through the entire process from A-Z without missing a single step. It was our first time buying a house, and as beginners, he was diligent and absolutely professional in his approach and conduct in order to get us settled into our home. He went above and beyond when I had questions for him during off hours and he responded immediately. Not to mention, he also got us a great rate! Haven't had a person be proactive in their approach with their client to this extent, unbelievable service, highly recommended!!

Actually based in Ottawa. Decades of local market intelligence.

We are not a detached call center or remote aggregator. Our commercial desk is physically located in Central Ottawa on Isabella Street. We understand the nuances of local property valuations, City of Ottawa official plan zoning, federal government leasing dynamics, and neighborhood commercial shifts from Centretown to Kanata.

Frequently Asked Questions

Underwriting, fees, and execution details

Can I work with Bank Street if I already have an existing relationship with a Big-6 Bank?

Yes. Many of our Ottawa commercial clients have existing institutional retail or commercial banking relationships. We routinely compare offers from institutional desks, credit unions, and alternative capital sources to ensure you receive the most competitive covenants, DSCR headroom, and amortization profile.

Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.
Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.
Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.
Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.
Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.
Not always. Second mortgage describes the mortgage position behind an existing first mortgage. Private mortgage describes the lender source. A private mortgage may be registered as a first or second mortgage, depending on the transaction.

Take Action on Your Ottawa Transaction

Bring us the deal. We’ll find the financing that fits.

COMMERCIAL MORTGAGES · OTTAWA

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