Citadel Mortgages understands this exceptional market and has a commercial division that has established excellent relationships with lending partners such as banks, credit unions, trust companies, private institutions, and individual investors to ensure your commercial mortgage needs are met.
At Citadel Mortgages, we specialize in providing tailored commercial mortgage solutions for Canadian businesses. Whether you’re acquiring property, expanding your operations, or refinancing, our expert team is here to guide you through the process and secure the best terms for your needs.
A commercial mortgage is a loan designed for businesses or investors to finance properties used for commercial purposes, such as office buildings, retail spaces, industrial warehouses, or multi-residential units. Unlike residential mortgages, these loans are structured based on the property’s income potential and the borrower’s business financials.
Expand your operations by owning your property instead of leasing.
With competitive interest rates, you can lower monthly expenses and reinvest in your business.
Lock in fixed rates or benefit from flexible variable terms tailored to your needs.
Interest payments on commercial mortgages may be tax-deductible.
To secure a commercial mortgage, lenders assess both the property and the borrower’s financial standing:
Prepare these key documents to streamline the application process:
At Citadel Mortgages, we specialize in a wide range of commercial mortgage products designed to help you finance, build, or expand your property portfolio. Our top solutions include:
🏘️ CMHC MLI Select Mortgages – Get up to 95% LTV and 50-year amortizations for energy-efficient, accessible, and affordable multi-unit rentals.
🏨 Hotel & Motel Mortgages – Finance the purchase, refinance, or renovation of hospitality properties across Canada.
🏙️ Mixed-Use Property Mortgages – Ideal for buildings that combine commercial storefronts and residential units.
🏗️ New Home Construction & Development Mortgages – From raw land to final occupancy, we fund custom home builds and multi-unit developments.
Whether you’re a first-time investor or a seasoned developer, Citadel Mortgages offers tailored, expert-backed solutions to get your project funded — fast.
Most commercial mortgages range from 5 to 10 years, with amortization periods of up to 25 years.
Yes, commercial rates are generally higher due to increased risk, but Citadel Mortgages works to secure the most competitive rates.
Yes, refinancing can help lower your interest rate, consolidate debt, or access equity for business growth.
Yes, an independent appraisal is required to determine the property’s market value.
| Metric | Value |
|---|---|
| Average Commercial Loan Size | $1.2 million |
| Typical Down Payment Required | 25%-35% |
| Average Fixed Rate (5-Year) | 5.75% |
| Loan Approval Rate | 85% (businesses with strong financials) |
We connect you with Canada’s leading banks, credit unions, and private lenders for competitive rates.
Our experts craft a mortgage strategy that aligns with your business objectives.
From application to closing, we simplify the process, saving you time and effort.
Benefit from promotional rates and flexible terms available only through Citadel Mortgages
Securing a commercial mortgage is a significant step toward achieving your business goals. At Citadel Mortgages, we provide expert advice and customized solutions to ensure your success. Whether you’re purchasing a new property or refinancing an existing one, contact us today to explore your options and get started!