Floating Rate 3.82%
Floating Rate 3.82%
3 Yr Rate From 2.67%
5 Yr Rate From 2.72%
10 Yr Rate From 3.04%
A commercial mortgage is often the most important financing decision a business owner or investor will make. From the first conversation to final approval, the structure of your commercial mortgage affects cash flow, risk exposure, and long-term returns. Sunlite Mortgage helps Canadian business owners and investors secure commercial mortgage solutions that align with their goals, timelines, and property strategy.
As a national commercial mortgage broker, Sunlite Mortgage works with banks, credit unions, monoline lenders, CMHC-insured programs, and alternative financing partners. Whether you are purchasing, refinancing, or developing a commercial property, our role is to help you compare options, understand lender requirements, and structure financing with clarity and confidence.
Every commercial property is evaluated differently by lenders. Asset type, location, tenancy, income stability, and borrower strength all influence approval and pricing. Sunlite Mortgage arranges commercial mortgage financing for multi-family residential buildings, mixed-use properties, retail plazas, office buildings, industrial facilities, student housing, and retirement housing projects.
For qualifying properties, we also assist with CMHC-insured commercial mortgages, including MLI Select. These programs can offer higher leverage, longer amortizations, and improved terms when affordability, energy efficiency, or accessibility criteria are met. We help you assess eligibility early so you can determine whether insured or conventional financing makes the most sense.
Commercial mortgage needs change over time. Sunlite Mortgage supports clients through each stage of ownership.
For purchases, we help you evaluate down payment requirements, projected cash flow, and lender expectations before you commit. Early planning reduces surprises and strengthens your negotiating position.
For refinancing, we review existing loan terms, maturity dates, and potential penalties. Refinancing a commercial mortgage can improve cash flow, release equity, or reposition a property for future growth when structured correctly.
Construction and development projects require additional coordination. We assist with construction financing, progress draw structures, and bridge financing when timing gaps exist between acquisition, construction, and long-term funding.
Not every commercial mortgage fits neatly within bank guidelines. Some properties, borrower profiles, or timelines require greater flexibility.
Sunlite Mortgage works with regulated alternative and private commercial lenders when appropriate. These solutions can be useful for transitional properties, short-term financing needs, or unique income scenarios. We present these options transparently, explaining costs, risks, and exit strategies so you understand how the financing fits into your broader plan.
Commercial mortgage lending is about more than approval. It requires understanding lender behaviour, market conditions, and long-term financial impact.
Sunlite Mortgage works with real estate investors, developers, and owner-occupied businesses across Canada. We help you evaluate commercial mortgage options with a strategic lens, ensuring your financing supports growth, stability, and long-term value.
With experience across Alberta, British Columbia, Ontario, Nova Scotia, and New Brunswick, we understand regional lending differences and how to position applications for success.
Sunlite Mortgage represents your interests, not a single lender’s products. By comparing commercial mortgage options across multiple lending channels, we help you make informed decisions backed by precise numbers and realistic expectations.
If you are considering a commercial mortgage purchase, refinance, or construction project, speak with Sunlite Mortgage to explore solutions designed around your property and long-term goals.
