- Serving Alberta & Saskatchewan
- 1550 5 St SW Unit 300, Calgary, AB T2R 1K3
Commercial Mortgages in Alberta & Saskatchewan
Financing Solutions for Commercial Properties and Businesses
Commercial real estate financing can be more complex than a traditional residential mortgage. Lenders may look at the property, business financials, projected income, existing debt, and the overall purpose of the financing before making a decision.
At Atlas Mortgage Group, we help business owners, investors, and property owners across Alberta and Saskatchewan explore commercial mortgage options that fit their financial goals.
Whether you’re purchasing a commercial property, refinancing an existing mortgage, or investing in income-producing real estate, our team can help you understand your financing options.
Commercial Mortgage Solutions for Different Needs
Every commercial property and business is different. The financing structure that works for one property may not be appropriate for another.
Atlas Mortgage Group can help explore financing for:
- Commercial property purchases
- Office buildings
- Retail properties
- Industrial properties
- Multi-unit and income-producing properties
- Mixed-use properties
- Investment properties
- Commercial property refinancing
- Debt restructuring
- Business-related real estate financing
We’ll work to understand the purpose of the financing and help you explore options that align with your plans.
Commercial Mortgage Broker in Calgary & Regina
Finding the right commercial financing can require more than comparing interest rates. If you’re looking for a commercial mortgage broker in Calgary or a commercial mortgage broker in Regina, Atlas Mortgage Group can help you navigate the lending process and explore options from a range of lenders. We help clients throughout Alberta and Saskatchewan understand lender requirements, compare available financing structures, and prepare for the application process.
How Commercial Mortgage Financing Works
01.
Discuss Your Property and Goals
We’ll start by understanding the property you’re purchasing or refinancing, how it will be used, and what you’re trying to accomplish with the financing.
02.
Review Your Financial Position
Commercial lenders may assess business financials, existing debt, income, assets, credit history, and other factors depending on the transaction.
We’ll help you understand what information may be required.
03.
Assess the Property
The property itself is an important part of a commercial mortgage application. Factors such as property type, location, value, occupancy, and income potential may influence the available financing.
04.
Explore Lender Options
We work with a range of lenders and can help compare potential mortgage solutions based on the property and your financial circumstances.
05.
Prepare and Submit the Application
Once an appropriate financing option has been identified, we’ll help you organize the required documentation and guide you through the application process.
06.
Move Toward Closing
We’ll remain involved as the financing progresses and help coordinate the mortgage process through to closing.
What Do Commercial Lenders Look At?
Commercial mortgage qualification can involve several factors, and requirements vary between lenders.
Depending on the transaction, lenders may consider:
- Property value
- Property type and location
- Existing mortgage or debt
- Business financial statements
- Revenue and operating history
- Rental or lease income
- Debt-service capacity
- Borrower's credit history
- Down payment or available equity
- Experience managing similar properties
- Overall strength of the transaction
Understanding these factors early can help you prepare a stronger application and identify potential challenges before submitting it.
Commercial Mortgage Refinancing
Refinancing a commercial property may allow you to restructure existing debt, access available equity, or adjust your financing to better suit your current business or investment plans.
Depending on your circumstances, refinancing may be considered for purposes such as:
- Accessing property equity
- Renovations or improvements
- Consolidating existing debt
- Business expansion
- Purchasing another property
- Restructuring an existing mortgage
Before refinancing, it’s important to consider the costs, penalties, new terms, and long-term impact of the transaction.
Atlas Mortgage Group can help you compare your options and understand the numbers.
Commercial Property Purchase Financing
Buying a commercial property is a significant investment. Whether you’re purchasing a property for your own business or acquiring an income-producing asset, the financing structure can have a major impact on your overall investment.
We'll help you evaluate available mortgage options based on factors such as:
- Purchase price
- Available down payment
- Property income
- Business income
- Existing financial obligations
- Property type
- Investment objectives
Our role is to help you understand the financing before you commit to the transaction.
Why Work With a Commercial Mortgage Broker?
Access to Multiple Lenders
Working with a commercial mortgage broker can give you access to a wider range of lending options instead of limiting your search to one financial institution.
Help With Complex Applications
Commercial mortgage applications can involve business financials, property income, leases, appraisals, and other documentation. We help you understand what's required and keep the process organized.
Financing Based on Your Situation
We look at the property, business, financial position, and purpose of the financing rather than treating every commercial mortgage the same way.
Clear Communication
Commercial financing can involve complex terms and conditions. We'll explain the important details so you can make an informed decision.
The Right Commercial Financing Starts With the Right Strategy
Whether you’re buying your first commercial property, expanding your business, or refinancing an existing property, having a clear financing strategy can help you make better decisions. Atlas Mortgage Group works with commercial borrowers throughout Alberta and Saskatchewan to explore mortgage solutions for their properties and businesses.
Frequently Asked Questions
What is a commercial mortgage?
A commercial mortgage is financing used to purchase, refinance, or otherwise finance a commercial property. Commercial mortgages can have different qualification requirements, terms, and structures than residential mortgages.
What types of properties can be financed with a commercial mortgage?
Depending on the lender and transaction, commercial financing may be available for properties such as office buildings, retail spaces, industrial properties, mixed-use buildings, multi-unit properties, and other income-producing commercial real estate.
How do lenders qualify a commercial mortgage?
Commercial lenders may consider factors such as the property’s value and income, business financials, existing debt, credit history, down payment, debt-service capacity, and the overall strength of the transaction. Requirements vary by lender.
Can I refinance a commercial property?
Yes, depending on the property, existing financing, equity, income, and lender requirements. Commercial refinancing may be used to restructure debt, access equity, fund improvements, or support other business or investment goals.
Do commercial mortgages have higher rates than residential mortgages?
Commercial mortgage rates can differ from residential mortgage rates because commercial lending involves different properties, qualification criteria, risks, and loan structures. The rate and terms available will depend on the lender and the specific transaction.
Disclaimer: Commercial mortgage rates, terms, qualification requirements, and lending criteria vary by lender and individual circumstances. Financing is subject to lender approval and applicable conditions. Speak with an Atlas Mortgage Group professional for advice based on your specific commercial financing needs.