Financing for retail plazas, office buildings, industrial warehouses, multi-family apartments, and development projects in Ottawa. We compare 50+ lenders — banks, credit unions, institutional & private — to find the best commercial mortgage for your deal.
50+
Lender network
FSRA
Licensed #13763
75%
Max LTV conventional
$0
Broker fee
4.9★
Client satisfaction
Commercial properties require specialized underwriting. Our licensed agents structure your deal for the best terms from the right lender.
Commercial mortgages in Ottawa are evaluated on the property's NOI and DSCR — not just your personal income. Stronger properties unlock better rates.
Banks, credit unions, institutional lenders, and private lenders — all compared in one step. We find the best commercial mortgage rate for your deal.
Our licensed commercial mortgage agents have deep experience with complex deals — multi-family, retail, industrial, mixed-use, and development financing.
From multi-family apartment buildings to industrial warehouses — lendsimpl arranges commercial mortgage financing for income-producing properties across Ontario.
Apartment buildings in Ottawa — conventional and CMHC-insured financing up to 85% LTV.
Shopping centres, standalone retail, and strip malls in Ottawa. Net lease and percentage rent structures.
Class A, B, and C office space in Ottawa. Single-tenant and multi-tenant financing.
Warehouses, distribution centres, and light manufacturing facilities in Ottawa.
Retail on the ground floor with residential or office above — a common Ottawa property type.
Land acquisition, pre-development, and construction financing for new builds in Ottawa.
Commercial mortgage rates in Ottawa
CMHC-insured multi-family can go lower. Private commercial rates start at 8%+. We shop 50+ lenders to find the best rate for your Ottawa property.
Four clear steps. Expert structuring at every stage. We guide Ottawa investors through the entire commercial mortgage process.
Share your property details, financials, and goals. Confidential, no obligation — we evaluate your Ottawa commercial deal for free.
We analyze NOI, DSCR, cap rate, and property condition to structure the strongest deal for lenders.
We submit to 50+ lenders simultaneously — banks, credit unions, institutional, and private — and collect competing term sheets.
We coordinate appraisals, environmental reports, legal review, and all closing paperwork so your Ottawa deal funds on schedule.
Commercial mortgage at a glance
typical conventional commercial mortgage rates in Ottawa.
Down payment
25%+ (15% CMHC multi-family)
Loan-to-value
Up to 75% (85% CMHC)
Terms
1–10 years, amortized 20–30yr
Private rates
Starting at 8–12%
| Factor | Commercial | Residential |
|---|---|---|
| Underwriting | NOI & DSCR focused | Personal income focused |
| Down payment | 25%+ (15% CMHC) | 5%–20% |
| Terms | 1–10 years | 1–10 years |
| Environmental | Phase I/II required | Not required |
| Best for? | Income properties | Owner-occupied 1–4 units |
In Ottawa, commercial mortgages cover a wide range of property types including retail plazas, office buildings, industrial warehouses, multi-family apartments (5+ units), mixed-use properties, and development land. lendsimpl connects you with lenders offering conventional, CMHC-insured, and private commercial mortgage solutions.
Commercial mortgage rates in Ottawa typically range from 5.49% to 7.99% for conventional deals, depending on property type, loan-to-value, and borrower strength. CMHC-insured multi-family rates can be lower. Private commercial rates start around 8–12%. lendsimpl compares 50+ lenders to find the best rate for your deal.
For a commercial mortgage in Ottawa, most lenders offer up to 75% loan-to-value (LTV) for conventional deals. CMHC-insured multi-family properties can qualify for up to 85% LTV. The actual amount depends on the property's net operating income (NOI), the debt service coverage ratio (DSCR), and the borrower's financial strength.
For a commercial mortgage in Ottawa, you'll typically need: financial statements (2–3 years), rent rolls and lease summaries, a property appraisal, environmental reports (Phase I/II), personal net worth statements, and a business plan or executive summary for the deal. lendsimpl guides you through the entire documentation process.
Yes. lendsimpl is a FSRA-licensed mortgage brokerage (Brokerage #13763) serving all of Ontario including Ottawa. Our licensed agents specialize in commercial property financing and provide free, unbiased advice.
Free consultation — no obligation
Talk to a FSRA-licensed Ontario commercial mortgage broker today. Compare 50+ lenders and get expert deal structuring — free.
Our licensed commercial mortgage brokers help investors purchase, refinance, and develop properties across every city and community in Ontario.
Not sure if we serve your area? Get in touch — we cover all of Ontario.
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