Commercial mortgages, structured by people who actually understand commercial real estate.
From a $1M plaza acquisition to a $25M industrial refinance, commercial mortgage structuring is its own discipline. We arrange financing for retail, industrial, multi-residential, mixed-use, and owner-occupied commercial properties across Ontario — through chartered banks, credit unions, life insurance lenders, and private capital.
Why clients choose Tripoint for commercial lending
Full capital stack
Senior debt, mezzanine, bridge, and CMHC-insured multi-residential. We assemble the full stack — not just the senior loan.
Acquisition & refinance
Closing on a new property or pulling cash out of an existing one. Each lender has different appetites — we know which ones.
Construction & bridge
Land loans, construction draws, and bridge financing to take you from acquisition to stabilized refinance.
CMHC multi-res specialty
5+ unit residential buildings can qualify for CMHC insurance — meaning higher leverage and lower rates than conventional commercial.
How a commercial lending file moves at Tripoint
Deal review
Property details, rent roll, financials, and your story. 1–2 hour call to understand the deal.
Lender targeting
Based on asset class, location, leverage, and your sponsor profile, we identify the 3–5 lenders most likely to fund.
Term sheets
We negotiate term sheets in parallel — rate, term, amortization, fees, conditions. You compare side-by-side.
Underwriting
Appraisal, environmental, inspection, legal review. Commercial files take 30–60 days from application to funding.
Funding & ongoing
Close, fund, and we stay in touch for renewal, refinance, or future acquisitions.
Common questions
What's a typical commercial mortgage rate?
As of April 2026, conventional commercial rates run roughly 5.5–7.5% depending on lender, asset class, leverage, and term. CMHC-insured multi-residential is typically 75–125 bps below conventional. Private commercial is 8–12%.
What loan-to-value can I get on commercial?
Conventional commercial: 65–75% LTV typical. Multi-residential CMHC-insured: up to 85% LTV. Owner-occupied commercial: up to 75% LTV. Construction: up to 75% of project cost or 65% of completed value.
How long does a commercial close take?
Realistically 30–60 days from application. Faster is possible with strong sponsors and clean files. Properties needing environmental Phase 2 reports or zoning verification can extend to 90+ days.
Do you handle CMHC multi-residential?
Yes. CMHC's MLI Select program offers up to 95% LTV with 50-year amortizations for affordable, accessible, and energy-efficient projects. We know the program's points system and can structure your file to qualify.
More ways Tripoint can help
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