HB Mortgage Centre

HB Mortgage Centre

Commercial Mortgages in Ontario

If you are buying, refinancing, or building equity in a commercial property, financing works differently than it does for a home. HB Mortgage Centre can review commercial mortgage requests for Ontario borrowers, including purchase, refinance, equity takeout, and private or alternative commercial mortgage scenarios, subject to qualification. We are an FSRA-licensed Ontario mortgage brokerage, not a lender.
Start a commercial mortgage enquiryCall (647) 542-6100

FSRA Brokerage #13449Hardeep Batoo, BrokerOntario-wideNo obligation

How commercial differs

How do commercial mortgages differ from residential?

Commercial mortgages are assessed on the property and its income as much as the borrower, often with larger down payments and shorter amortizations than residential. Terms vary widely by lender, property type, and deal. Tell us about your property and we will tell you how we can help.
Where a residential mortgage leans on your personal income and credit, a commercial mortgage also weighs the property's income, often through a debt-service coverage ratio (the property's net operating income versus its debt payments). Down payments are usually larger, amortizations can be shorter, and underwriting is more bespoke.

We can help with

What types of commercial property can we help with?

Commercial mortgage options depend on the property type, income, leases, debt service, valuation, borrower profile, lender appetite, and documentation. We can review requests across a broad range of property types, including:

01

Mixed-use

02

Small retail

03

Office

04

Industrial

05

Multi-unit residential

06

Owner-occupied business property

07

Investment property

08

Commercial refinance

09

Equity takeout

Where we can help, we connect you with lenders suited to your property type and deal, subject to qualification.

How it works

What happens next?

  1. 01

    Tell us about the property and your goal

    The review is free, with no obligation.

  2. 02

    We tell you honestly whether the deal is one we can place, and with which lender types.

  3. 03

    If you proceed, we explain terms and conditions before you commit.

    Approval is never promised; every deal is subject to qualification and lender assessment.

Our approach

What do commercial lenders look at?

Lenders typically look at the property and its income, the down payment or equity, the borrower's experience and financials, and the deal's overall strength. Each lender has its own appetite, which is where a broker's lender access helps.

Why HB

How we help

We take your property and goal to lenders who fit, and explain the options and conditions before you proceed. Everything is subject to qualification and lender assessment. We do not promise approval, and we keep to mortgage brokering, not general business lending.

Since December 2021 we have funded over $1 billion in mortgages, working with more than 50 lenders.

FAQ

Common questions

Does HB Mortgage help with commercial mortgages in Ontario?+
Yes. HB Mortgage Centre can review commercial mortgage requests for Ontario borrowers, including purchase, refinance, equity takeout, and private or alternative commercial scenarios. Where we can help, we connect you with suitable lenders, subject to qualification.
How is a commercial mortgage different from a residential one?+
It weighs the property's income (often via a debt-service ratio), usually needs a larger down payment, and has more bespoke terms.
What down payment is typical for commercial?+
Usually larger than residential, varying by property type and lender.
What do commercial lenders look at?+
The property and its income, your equity and financials, your experience, and the deal's strength.
How do I start a commercial enquiry?+
Tell us about the property and your goal, and we will tell you how we can help.

Tell us about your property

Share the basics of your commercial deal and we will tell you, honestly, how we can help. No cost, no obligation.
ApplyCall (647) 542-6100

Subject to qualification and lender approval. O.A.C. E.&O.E. FSRA #13449.

FSRA Brokerage #13449 · Hardeep Batoo, Broker Licence #M13002408 · Ontario-wide

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Mortgage approvals, rates, terms, products, fees, and available lender options are subject to lender approval, borrower qualification, property review, market conditions, documentation, title review, and applicable laws. O.A.C. E.&O.E. HB Mortgage Centre is an FSRA-licensed Ontario mortgage brokerage, FSRA Brokerage #13449. Each Mortgage Centre is independently owned and operated. This website provides general information only and does not provide legal, tax, financial planning, estate planning, investment, accounting, or benefits advice. For legal matters, speak with an Ontario lawyer. For tax, estate, benefit, investment, or accounting questions, speak with a qualified advisor before making a decision.

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