Equity Mainly Matters: Your Leading Commercial Mortgage Broker in Canada
Unlocking Your Commercial Property’s Potential
Easy and Reliable Commercial Mortgage Solutions!
At Equity Mainly Matters, we simplify the process of securing commercial mortgages or equity takeouts for our clientele. Understanding the intricacies of commercial mortgages in Canada is our forte, ensuring you make informed and beneficial decisions for your property investments.
Understanding Commercial Mortgages
A commercial mortgage is essentially a loan secured against real estate that isn’t a residential property. It’s a significant financial decision, often representing one of the largest investments for Canadian investors. With your property as collateral, these mortgages provide the capital needed for your commercial property investments.
Our Services at a Glance
- Broad Spectrum Financing: Whether it’s an office building, retail space, industrial property, or mixed-use complexes, we cover a wide range of property types.
- Tailored Mortgage Solutions: We understand that each client’s needs are unique. Our team crafts personalized mortgage plans, ensuring you get a solution that fits your specific situation.
- Competitive Interest Rates: Access to a vast network of lenders, including banks, credit unions, and private lenders, allows us to offer competitive rates for all types of commercial mortgages.
- Streamlined Application Process: We value your time. Our process is designed to be straightforward and efficient, removing the usual complexities involved in securing commercial financing.
Why Choose a Commercial Mortgage?
- Expansion and Growth: Leverage your property to expand your business or invest in new opportunities.
- Equity Takeout: Access the locked-in value of your property for other investments, renovations, or personal use.
- Refinancing Options: Optimize your payment terms and interest rates with our refinancing solutions.
How to Get Approved for a Commercial Mortgage
- Understand Your Needs: Assessing your financial situation and understanding the purpose of your mortgage is crucial.
- Gather Necessary Documents: From business licenses to property appraisals, we’ll guide you on all the required documents for a smooth application process.
- Consult Our Experts: Our team of specialized brokers is ready to assist you in finding the right lender and negotiating the best terms for your commercial mortgage.
The Equity Mainly Matters Advantage
- Unparalleled Expertise: With a decade of experience in the Canadian commercial mortgage market, we understand the nuances of commercial lending.
- Dedicated Customer Service: We pride ourselves on providing personalized service, ensuring that your commercial financing needs are met efficiently and effectively.
- Innovative Solutions: No matter the challenge, our team is committed to finding innovative and practical solutions for your commercial financing needs.
Get Started Today!
Unlock the potential of your commercial property with Equity Mainly Matters. Our team is ready to guide you through the complexities of commercial mortgages, ensuring you get the best terms and rates available. Contact us to learn how we can help you achieve your commercial property goals.
A Commercial Mortgage is available for the following types of properties
- Multi-Unit Residential (5 or more Rental Units)
- Retail Plazas, Strip Malls and Shopping Centres
- Office buildings and Medical Centres
- Industrial buildings
A Commercial Mortgage is not available for highly specialized Real Estate including:
- Hotels and Motels
- Social clubs and banquet halls
- Schools and places of worship
- Recreational Real Estate
- Car washes and Restaurants
- Properties that are currently vacant or being retrofitted
Home Equity Loans Approved In Less Than 24 Hours!
Borrow against the equity of your Property


Services Provided

WHAT CAN A COMMERCIAL MORTGAGE BE USED FOR?
A Commercial Mortgage can be used for the following purposes:
- For constructing a new office or location for the business
- For Renovations needed on the existing Commercial property
- For investments within the business
- For property development
If the borrower chooses to pursue a Commercial Mortgage, certain specific criteria’s will have to be fulfilled. These include:
- An adequate debt service coverage ratio.
- A good personal credit score as well as evidence of business creditworthy.
- Current business situation indicating that the business is up & running and profitable & steady.
- Future business plan and financial projections
- Type of business
- Type of property the borrower wants to purchase
- A down payment of anywhere between 35% to 50%
- A Commercial Real Estate appraisal report
- A site inspection by the lender
- Current rent rolls and list of tenants
- Leasing Agreements
- Income and expense statement
- Notice of Assessments (NOA) or T1 Generals for the past 2 years
- Business licence or articles of incorporation
A Commercial Mortgage can be financed through the following types of loans:
- Refinancing
- Private Mortgage
- Second Mortgage
- Mortgage Renewal
Outside the Mortgage amount the following costs will also have to be borne by the borrower:
- Legal Fees include Attorney Fees, Research Fees, Title searches, and potential Court filings
- Property appraisal or property Valuation Fee
- Property condition Assessment Fee

Frequently Asked Questions (FAQs) about Commercial Mortgages with Equity Mainly Matters
1. What is a Commercial Mortgage?
A commercial mortgage is a loan secured by commercial property, such as offices, hotels, or retail spaces. Unlike residential mortgages, it’s primarily used for business purposes.
2. Why Choose Equity Mainly Matters for Commercial Mortgages?
We specialize in providing customized mortgage solutions with competitive rates, comprehensive support, and access to a wide network of lenders. Our expertise lies in understanding and catering to your unique commercial needs.
3. What Types of Properties Qualify for a Commercial Mortgage?
We finance a range of properties, including but not limited to industrial buildings, retail stores, office spaces, apartment complexes, and mixed-use buildings.
4. How Much Can I Borrow with a Commercial Mortgage?
The loan amount depends on various factors including the value of the property, your business finances, and the loan to value ratio. Contact us for a tailored assessment.
5. What Documents Do I Need to Apply?
Typically, you’ll need business and personal financial statements, property appraisals, plans for the property, and sometimes, environmental assessments. We’ll provide you with a detailed list based on your specific situation.
6. How Long Does It Take to Get Approved?
The time can vary based on the complexity of your application and the type of property. We strive to make the process as quick and smooth as possible, often securing approvals within a few weeks.
7. Can I Get a Commercial Mortgage with Bad Credit?
Yes, options are available even with less-than-ideal credit. Private lending solutions or alternative financing options might be suitable for your situation.
8. What Are the Interest Rates for Commercial Mortgages?
Interest rates vary based on the lender, your creditworthiness, and the specifics of the property. We work hard to find the most competitive rates for your situation.
9. How Do I Start the Application Process?
Simply contact us at Equity Mainly Matters through phone, email, or our online form. Our experts will guide you through the initial consultation and document collection to get started.
10. How Can Refinancing My Commercial Mortgage Benefit Me?
Refinancing can potentially lower your interest rates, alter your loan term, or allow you to take out equity for other investments. We can assess your situation to determine if refinancing is the right move for you.