Commercial Mortgages
Financing for retail spaces, office buildings, mixed-use properties, and other commercial real estate across Ontario.
What this covers
Commercial mortgages finance property used for business purposes — retail units, office space, industrial buildings, and mixed-use properties. Terms, rates, and qualification are structured differently than residential lending, and often depend heavily on the property's income potential.
We work with lenders experienced in commercial underwriting to match the financing structure to your business plan.
Who it's for
- Business owners purchasing their own commercial space
- Investors buying income-producing commercial property
- Anyone refinancing an existing commercial mortgage
- Developers of mixed-use or small commercial buildings
How Nestwell helps
- Match your property type to lenders who actually finance it
- Structure financing around the property's income and your business plan
- Explain typical down payment and amortization ranges for commercial deals
- Coordinate with your accountant or lawyer where needed
Good to know
Commercial down payments typically start around 25–35%, and amortizations tend to run shorter than residential mortgages — usually 15–25 years.
Estimate Your Monthly Payment
Common commercial mortgage questions
Typically 25–35%, though this varies by property type, lender, and the strength of your business plan.
Yes — mixed residential/commercial buildings are common in Ontario and several of our lenders specialize in exactly this property type.
Terms are usually shorter than residential — often 3 to 5 years — with amortizations of 15 to 25 years.
It's more challenging without an operating history, but not impossible — it depends on the property's income potential and your overall financial strength.
Finance your next commercial property
Free, no-obligation assessment for your commercial purchase or refinance.