Financing for Retail, Office & Mixed-Use Properties
Commercial property financing works differently from residential and even multi-unit residential mortgages — lenders look closely at the property type, tenant leases, and business use itself. I'll help you find commercial financing that fits your property and your goals.
What Lenders Look At
- The type of commercial property (retail, office, industrial, mixed-use) affects available financing options
- Existing tenant leases and lease terms play a major role in underwriting
- Down payment requirements are generally higher than residential financing, and amortization periods can be shorter
For a mixed-use building with a retail unit on the ground floor and residential units above, a lender will typically evaluate the retail lease terms and tenant covenant separately from the residential income, which can affect both the loan amount and the rate offered.
The example above is a hypothetical illustration only, not a quote or guarantee. Actual terms depend on the property, tenants, and lender.
Frequently Asked Questions
It's a different process — lenders focus more on the property's income potential and tenant leases, and requirements like down payment and documentation are generally more extensive than residential financing.
Have a Commercial Property in Mind?
Book a free call and let's talk through your financing options.