Commercial Mortgages

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Looking for commercial property financing?

If you're looking for commercial property and require financing, our team can help!

Our expertise covers a very diverse range of real estate commercial development including high-rise residential, shopping centres, multi-family housing, office space, industrial and land.

By working closely with you or your group, we first learn about your unique commercial mortgage financing needs and then strategically find suitable lenders for your specific transaction.

We know how to present your transaction to smartly capture a lender’s attention and deliver the best available loan structure and interest rate.

Our commercial rates are extremely competitive for bank-approved applicants. Applicants that might have tougher qualification criteria, we'll work closely with your unique mortgage situation to ensure you always end up with the best financing options available.

Commercial Real Estate Property Types:

  • Residential Condominium Developments
  • Mixed Use Developments
  • Retail-Anchored
  • Retail-Non-Anchored
  • Multi-Family Residential
  • Master Planned  Developments
  • Office Buildings
  • Sky Rise Buildings
  • Hotels & Motels
  • Health Care Facilities
  • Industrial Warehouse
  • Self Storage
  • Golf Course
  • Master Planned Communities
  • Raw Commercial Land Development
  • Acquisitions

Commercial Real Estate Financing Programs::

  • Short Term Bridge Debt
  • Mezzanine
  • Preferred Equity
  • Participating Equity /Joint Venture Equity
  • Hard Money
  • Private Note Loans
  • High Leveraged 1st Mortgages
  • Senior and Interim Construction Financing
  • Permanent Long Term Financing

We look forward to hearing from you!

COMMERCIAL MORTGAGES, RESIDENTIAL DEVELOPMENT, CONSTRUCTION AND LAND FINANCING - Loan amounts from $500,000 to $50.0 million for conventional, non-bank, and mezzanine loans.

 

Loan Types

5 Year Commercial Term Mortgage Product

  • Property Type: office buildings, commercial retail, industrial and retirement homes
  • Loan Amounts: $3million to $30 million
  • Interest Rates: Five year Government of Canada Bonds plus 225 - 300 basis points
  • Commitment Fees: 0.5% to 1%
  • Term: 5 years
  • Amortization: up to 25 years

 

Acquisition & Bridge Financing Properties under redevelopment or repositioning that require short term financing until permanent financing can be placed.

  • Loan amounts from 50% - 90% Loan to Value
  • 90 day to 2 year terms

Land Servicing Loans Facilitate the construction of underground services and roads for both residential and commercial development projects.

  • Presale requirements based on the credit parameters of the transaction.
  • Loan amounts from 60% - 85% Loan to Value
  • 1 to 2 year terms

Mezzanine Loans Provide equity financing and financing not available by conventional lenders.

  • Loan amounts up to 85% Loan to Value and 90% Loan to Cost
  • 1 to 2 year terms

Inventory Loans Finance completed residential and commercial units that are unsold.

  • Loan amounts from 60% - 75% Loan to Value
  • 1 to 2 year terms

Term Financing/Commercial Mortgages Income producing properties including multi-family residential, industrial, retail and office. We will consider debt service from 1.0x and up.

  • Loan amounts from 50% -85% Loan to Value
  • 1 to 3 year terms
  • 15 to 30 year amortization

Construction Financing Site plan approved land, zoned for residential and commercial on the development.  Presale or leasing requirements are flexible based on credit parameters.

  • Loan amounts from 60-90% Loan to Cost and 75% -85% Loan to Value
  • 1 to 2 year terms

 

Property Types

Residential Development & Construction Presale and equity requirements are flexible based on the credit parameters of the specific transaction.

  • Loan amounts from 60-90% Loan to Cost and 75% -85% Loan to Value    
  • 1 to 2 year terms with extensions

Condominiums Conventional and CMHC insured construction financing for residential condominiums.  Pre-sale and equity requirements are flexible based on the credit parameters of the specific transaction.

  • Bridge financing can be used to fund presale achievement
  • Loan amounts of 75% -85% Loan to Value and up to 90% Loan to Cost
  • 2 to 3 year terms

Multi-family rental apartments All multi-family rental apartment types for both term and construction financing with debt service from 1.0x and up.

  • Bridge financing available for acquisitions (single property or portfolio)
  • Loan amounts from 60% - 85% Loan to Value and up to 90% Loan to Cost
  • Permanent terms 5 to 20 years and Construction terms up to 2 years
  • Amortization 20 to 40 years

Retail All retail properties including big box outlet, regional and neighborhood shopping centres, strip mall centres and mixed use, including hospitality. Debt service from 1.10x and up for both construction and term financing.

  • Flexible pre-leasing and equity requirements
  • Loan amounts up to 80% Loan to Value and 85% Loan to Cost
  • Permanent terms 1 to 20 years and Construction terms up to 2 years
  • 15 to 30 year amortization

Industrial/Office Industrial properties including multi tenant space, single-use, industrial/office space, owner occupied and build-to-suit and mixed use.  Debt service from 1.10x and up for both construction and term financing.

  • Flexible pre-leasing and equity requirements
  • Loan amounts up to 80% Loan to Value and 85% Loan to Cost
  • Permanent terms 1 to 20 years and Construction terms up to 2 years
  • 15 to 30 year amortization

Land Residential or commercial sites that may be going through a rezoning or specific site plan approval process.

  • Loan amounts from 50% - 80% Loan to Value
  • 6 month to 2 year terms

COMMERCIAL MORTGAGES

Whether you’re looking for funding to start your first business or need financing for your existing organization, MSI can help you obtain the commercial mortgage you need.

 

At MSI we realize that each business has its own unique set of requirements. That’s why we offer solutions for commercial mortgages that are ideally suited to each client’s needs. What do you need—commercial mortgages for a local retail store, a hotel venture, a construction site, or vacant land? No matter what type of commercial mortgage you need, MSI will provide a helping hand.

 

Your commercial financing is as good as approved! We have what it takes to get commercial mortgages done for business owners all across Canada, for any amount. Contact MSI or apply by email and a mortgage specialist will help set up an appointment at your earliest convenience

 

Money Solutions Inc is a full service brokerage and a complete source for all of your permanent and interim commercial property financing needs. We provide attractive pricing, quick turnaround, and smooth closings. We develop flexible and innovative financing solutions that will get your deal closed swiftly, even in complex and intricate situations. Our team of senior professionals includes experts in the disciplines of:

Land development & construction

Prime Office Buildings/Retail

Gas Stations

Light Industrial

Churches

Industrial

Plazas

Warehouses/Retail Park

Multi Plex (6 + Plex)

Multi Occupancy Serviced Offices

Office Buildings

High Rise Apartments

Rooming Houses

Condominium Complexes

Bed & Breakfast

Self-Storage

Funeral Homes

Automotive

Hotels / Motels

Institutional

Restaurants

 

Development Financing

Single Residential, Subdivision, Commercial & Industrial

Money Solutions Inc specializes in both conventional and hard to fund projects that require a creative funding approach. Money Solutions has created a unique relationship between entrepreneurs and investors.

We understand the need for Capital Funding NOW. We know that the harder it is to obtain capital and the longer it takes the easier you can be discouraged from realizing your dreams.

Our specialization Include;

Pre-construction finance

Construction finance

Acquisitions

Leverage Financing

Acquisition & Development

Development, only (land development loan)

Hard Money / Fast Funded

Lot Sales Programs

Refinance, no cash out & with cash out

 

What's Next

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First time buyers, renewals or refinancing, call for a free quote!

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