Qualify for aCommercial Mortgage Ontario.Rates from 4.99%. All Property Types.
Qualifying for a commercial mortgage in Ontario requires DSCR, NOI, and equity analysis — not just credit. We help investors and business owners get commercial approvals across 50+ lenders. FSRA #13763.
Reviews5/5
Real Deals, Real Approvals.
5.0/5
client rated
300+
commercial funded
50+
lenders compared
“$3.2M retail plaza approved in 4 weeks — CMHC-insured at 5.29%.”
Retail plaza — GTA
Your Protection. Full Disclosure.
Transparent fees
Lender, broker, legal itemized
DSCR pre-check
Qualification reviewed before applying
No-pressure review
Full terms disclosed before you commit
Your Commercial Approval Edge.
Ontario commercial mortgage expertise — DSCR analysis, lender match, and structured submissions.
50+ Lender Access
CMHC, banks, credit unions, private
DSCR Analysis
Debt service coverage reviewed upfront
50+
lenders
4.99%
comm. from
5.0/5
rated
Process
Commercial Approval in 3 Steps.
1. Analyze
Property & income reviewed
2. Structure
File packaged for lenders
3. Approve
Funded in 2–6 weeks
FAQs
Commercial Qualification Questions?
Quick answers on Ontario commercial mortgage qualification, DSCR, LTV, and lender types.
DSCR ≥ 1.25, LTV up to 75–80%, proper NOI documentation, and correct lender match. We review all factors before submission.
Your Commercial Approval Edge.
Ontario commercial mortgage expertise — DSCR analysis, lender match, and structured submissions.
50+ Lender Access
CMHC, banks, credit unions, private
DSCR Analysis
Debt service coverage reviewed upfront
50+
lenders
4.99%
comm. from
5.0/5
rated
Process
Commercial Approval in 3 Steps.
1. Analyze
Property & income reviewed
2. Structure
File packaged for lenders
3. Approve
Funded in 2–6 weeks
Real Deals, Real Approvals.
5.0/5
client rated
300+
commercial funded
50+
lenders compared
“$3.2M retail plaza approved in 4 weeks — CMHC-insured at 5.29%.”
Retail plaza — GTA
Your Protection. Full Disclosure.
Transparent fees
Lender, broker, legal itemized
DSCR pre-check
Qualification reviewed before applying
No-pressure review
Full terms disclosed before you commit
FAQs
Commercial Qualification Questions?
Quick answers on Ontario commercial mortgage qualification, DSCR, LTV, and lender types.
DSCR ≥ 1.25, LTV up to 75–80%, proper NOI documentation, and correct lender match. We review all factors before submission.
Check My Qualification
Stop Losing Commercial Deals to Poor Qualification Strategy
Most declined commercial applications fail because the file was structured wrong or sent to the wrong lender — not because the property is bad.
The Common Mistake
Under-Structured Files Sent to Wrong Lenders
The Strategic Approach
Properly Structured Files Matched to Right Lenders
Client StoriesWhat Ontario Commercial Borrowers Say About Our Expertise
Damien Atapattu made my mortgage process completely stress‑free. He prepared all documents ahead of time and clearly understands lender, lawyer, and appraisal requirements. A friendly, energetic pr…
Aruna Bandaranayake
May 2026
Highly recommend! Damien took a lot of time to explain the terms thoroughly. He is very knowledgeable and trustworthy. Looking forward to working with him again!
Tommy Ravindran
Apr 2026
Shamal was amazing throughout the whole process. He is very helpful, knowledgeable and patient. If you need a good reliable mortgage broker he is the guy! He will find you the best solution.
Avy Loc
Mar 2026
Highly recommend. Damien was excellent throughout everything. Walking us through everything step by step. He was extremely well prepared and well versed in everything we needed to get a mortgage at…
John Abraham
Mar 2026
I had a great experience working with Damien. He helped me secure a very competitive mortgage rate through Scotiabank and made the entire process smooth and stress-free. He was knowledgeable, trans…
Rz
Mar 2026
I approached lendsimpl for some financing and was amazed at the quality and time frame of service. Within a matter of days my deal was completed. Thanks to Damien and the team for expediting my bus…
Sunrise Meadows
Dec 2025
Why Ontario Property Investors Choose Us for Commercial Mortgage Qualification
DSCR Pre-Analysis Before You Apply
DSCR below 1.25 disqualifies most institutional files. We calculate your DSCR upfront and tell you which lender tier is realistic before wasting time on the wrong lenders.
50+ Commercial Lender Access
CMHC-insured multi-unit, Schedule A banks, credit unions, trust companies, MICs, and private commercial lenders. We know which lenders prefer which property types.
NOI Documentation Package
We help you build the right package: rent roll, executed leases, 2-year operating statements, appraisal requirements — formatted exactly as underwriters need.
Commercial Rate Comparison
Commercial rates range from 4.99% (CMHC-insured multi-unit) to 12%+ (private). We match your property and income profile to the lowest-rate lender tier you qualify for.
Property Type Expertise
Retail, office, industrial, multi-unit, mixed-use — each has different lender appetite, LTV limits, and rate structures. We know the right lenders for each type.
FSRA Licensed Brokerage #13763
Regulated Ontario mortgage brokerage. Commercial mortgage advice requires regulatory accountability that unlicensed referral services can't provide.
From Property Analysis to Commercial Approval — Your Complete Roadmap
STEP 01
DSCR + Eligibility Review
Share your property details, NOI estimate, and requested loan amount. We calculate DSCR, LTV, and tell you which lender tier is realistic within 24 hours.
STEP 02
Documentation Package
We identify exactly what documentation each target lender requires: rent roll, leases, financial statements, environmental report, appraisal.
STEP 03
Lender Matching
Based on property type, DSCR, LTV, and income structure, we match your file to the lender most likely to approve at the best rate.
STEP 04
Application Submission
We package and submit your commercial application with all required documentation. We manage lender questions, condition requests, and appraisal coordination.
STEP 05
Approval + Term Sheet
Commercial approvals typically take 2–6 weeks. We review all term sheet conditions with you before you commit.
STEP 06
Closing + Renewal Strategy
We coordinate with your commercial real estate lawyer for smooth closing. 6 months before renewal, we proactively review your options.
Zero Risk — Commercial Qualification Review
FSRA Licensed #13763
Regulated Ontario mortgage brokerage. Commercial mortgage advice is legally required to act in your best interest.
DSCR Pre-Check — No Wasted Time
We verify your qualification eligibility before any lender submission. No wasted weeks on declinable files.
No Pressure to Proceed
Our qualification review is lender-paid. If the numbers don't work, walk away with honest feedback and zero fees.
Your Data Stays Private
Your information stays confidential throughout the process.
Six Commitments That Protect You
Best Rate Commitment
We shop 50+ lenders to find you the lowest rate. If you find a better rate for the same terms elsewhere, we'll match it or beat it.
Rate Hold Commitment
We lock your rate for up to 120 days. If rates fall before you close, we re-apply at the lower rate automatically.
No Hidden Fee Commitment
Every cost is disclosed in writing before you sign. Our brokerage fee is paid by the lender — not by you.
Renewal Outreach Commitment
90 days before your renewal date, we reach out proactively so you're never auto-renewed into a bad rate.
Full Comparison Commitment
We compare all relevant options for every client — you always see the full analysis before deciding.
Plain English Commitment
We explain every term, rate, spread, and penalty in plain language. You make a confident decision, not an anxious guess.
Today's Commercial Mortgage Rate Ranges — Ontario
CMHC-Insured Multi-Unit
Up to 85% LTV OAC
- 5+ unit residential buildings
- CMHC insurance required
- Lowest commercial rate available
Conventional Commercial
Up to 75% LTV OAC
- All commercial property types
- Institutional lender pricing
- DSCR ≥ 1.25 typically required
Private Commercial
Up to 70% LTV OAC
- Below-standard DSCR accepted
- Credit-flexible approvals
- Faster funding for urgent files
How to Qualify for a Commercial Mortgage in Ontario — FAQ
Key factors: DSCR (typically ≥ 1.25), LTV (up to 75–80%), property type and condition, income documentation (rent roll, NOI, financial statements), down payment or equity, and credit profile. lendsimpl reviews all factors before any lender submission — FSRA #13763.
DSCR is Net Operating Income divided by annual debt service. A DSCR of 1.25 means for every $1 of mortgage payment, your property generates $1.25 in net income — the standard minimum for institutional lenders.
Rent roll, 2-year operating statements or NOI, appraisal, Phase I environmental report, lease agreements, property tax statements, and personal/corporate net worth statement.
CMHC-insured multi-unit (5+ units): 15–25% down. Conventional commercial (retail, office, industrial): 25–35% down. Private commercial: 30–40% down.
Yes — rental income is the primary qualification basis for most commercial mortgages. Lenders analyze NOI to calculate DSCR. Full documentation of leases and rent collection history strengthens the application.
Institutional lenders typically require 600+ personal credit. However, strong property income can offset moderate credit. Private commercial lenders focus almost entirely on property NOI and LTV.
Yes. lendsimpl accesses private commercial lenders for files that don't qualify for institutional financing. Private commercial rates range from 8.99–14% depending on property, LTV, and risk profile.
Institutional: 4–8 weeks. CMHC-insured multi-unit: 6–10 weeks. Private commercial: 2–4 weeks. The biggest timeline variable is appraisal and environmental report turnaround.
Request Your Rate Comparison
Takes under 60 seconds
Ontario-Wide Commercial Mortgage Access
Commercial Mortgage Qualification — Serving All of Ontario
lendsimpl connects Ontario commercial property investors and business owners with 50+ institutional and private commercial lenders — across the GTA, Hamilton, Ottawa, London, and beyond.
Not seeing your city? We serve every Ontario commercial market. Call (416) 299-6096 — FSRA Licensed Brokerage #13763.
Legal
Important Disclosures
Rates & Approvals
All mortgage approvals are subject to lender conditions and underwriting review. Rates shown are for illustrative purposes only, subject to change without notice, and may vary depending on credit profile, income type, property type, and LTV. Not all applicants will qualify for the lowest advertised rates.
FSRA Licensed Brokerage
lendsimpl is a licensed mortgage brokerage (FSRA #13763), operating under the Mortgage Architects network. All lending is subject to applicable provincial regulations and industry guidelines.
Rates and information current as of June 2026. Always confirm rates and program eligibility directly with your licensed mortgage broker.