Commercial Mortgages
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Unlocking Business Potential with Strategic Financing Solutions
Trust in HALO Mortgage Advisory Inc. for a financial strategy that offers you an experience that saves and respects your time, minimizes stress and maximizes your investment—partner with our seasoned professionals to navigate the complexities of commercial lending effortlessly.
Keep reading to explore how we can elevate your commercial mortgage journey.
Discover which
HALO Mortgage Advisory Inc. service
aligns best with your goals below.
Owner-Occupied Commercial Real Estate
Owning your commercial space is significant, offering control and a sense of permanence. HALO Mortgage Advisory Inc. specializes in facilitating the acquiring or refinancing of properties that businesses call home. From retail shops to professional offices, we stand by entrepreneurs realizing their ownership dreams.
Investor Owned Commercial Real Estate
Investment in commercial real estate promises lucrative returns, but the journey begins with the right financing. Whether diversifying your portfolio with multifamily units, industrial spaces, or retail hubs, HALO Mortgage Advisory Inc. crafts financial strategies to maximize your ROI.
Construction Financing
In the current real estate landscape, redevelopment has become a significant trend, repurposing under-utilized assets into valuable properties. This shift towards reimagining spaces has increased the complexity and demand for specialized financing solutions. HALO Mortgage Advisory Inc. excels in navigating this intricate terrain, offering expert guidance for both land development and the nuanced financing required for redevelopment projects. Our focus is on transforming potential into progress, making us a preferred partner for projects that less lenders might consider.
Multifamily (Residential)
Apartments, condos, townhouses, and multifamily units are real estate treasures. Let HALO Mortgage Advisory Inc. guide your acquisition or refinancing journey.
Industrial
From distribution warehouses to manufacturing units, industrial properties power economies. Let HALO Mortgage Advisory Inc. streamline your industrial property financing for maximum operational efficiency.
Retail & Shopping Centers
From small boutique stores to expansive malls, retail spaces define commerce. Lean on HALO Mortgage Advisory Inc. expertise to buy or strategically refinance for maximum value.
Hotels & Hospitality
The hospitality sector is dynamic and diverse, from branded hotels to campground resorts. Rely on HALO Mortgage Advisory Inc. for buying or refinancing insights tailored to this industry.
Mixed-Use
Combining the best of residential, retail, and more, mixed-use properties adapt to market needs. With HALO Mortgage Advisory Inc., ensure your mixed-use investment is on firm financial footing.
Special Purpose
Special-purpose properties cater to niche markets, from self-storage units to schools and event venues—partner with HALO Mortgage Advisory Inc. for specialized financing that understands your unique needs.
Mid-Rise Developments
Bridging the gap between sprawling communities and towering skyscrapers, mid-rises cater to urbanites seeking convenience and lifestyle. With HALO Mortgage Advisory Inc., elevate your mid-rise project from blueprint to reality.
High-Rise Developments
Dominating city skylines, high-rises aren’t just buildings–they’re statements. From luxury condos to corporate offices, let HALO Mortgage Advisory Inc. be your pillar of financial support for these vertical ventures.
Land
Land represents endless possibilities. Whether you’re planning a sprawling residential community, a commercial hub, or a mix-use space, HALO Mortgage Advisory Inc. is your financing partner for transforming landscapes into landmarks.
Partner with HALO Mortgage Advisory Inc.
In the diverse realm of commercial real estate financing, you need a partner who understands the intricacies of each venture. HALO Mortgage Advisory Inc. combines experience, market insights, and a commitment to client success–ensuring every project gets the tailored financial support it deserves.
“Stephen has the valuable combination of knowledge, experience, large network, and exemplary work ethic. I have worked with countless lenders and brokers from every major bank as well as alternative lenders while growing my real estate portfolio over the past 9 years in 5 different provinces and two different countries, and I can confidently put Stephen right near the top of my list for my preference to work with on credit applications that matter.
I also had a 16 year career with CIBC and I wish all of the staff had the skills that Stephen has. When push comes to shove if I have a credit application I need to get approved and with the most favourable terms possible, Stephen is my person. If you would like further examples about Stephen’s abilities feel free to reach out to me and I will gladly elaborate further.”
– Brock A. Rogerson
Frequently Asked Questions
A commercial mortgage is a loan secured by commercial property, such as office buildings, shopping centers, industrial warehouses, or apartment complexes. Unlike residential mortgages, which are typically for individuals purchasing a home, commercial mortgages are for businesses and investors and involve larger amounts, longer terms, and different underwriting criteria.
HALO Advisory offers a variety of commercial mortgage solutions tailored to your specific needs, including traditional commercial mortgages with Banks for purchasing or refinancing, or Private Commercial mortgages such as bridge loans, construction loans, and CMHC-insured mortgages for multi-family properties.
Qualification depends on several factors, including the property's income-generating potential, your business's financial health, your credit history, and your investment experience. Our team will work with you to assess your situation and find the best financing solution.
Commercial mortgage terms can vary widely, but they typically range from 5 to 10 years for the loan period, with amortization periods up to 25 - 50 years for CMHC insured commercial mortgages. Interest rates can be fixed or variable and will be determined based on the loan's risk assessment.
The amount you can borrow depends on the value of the property and the loan-to-value ratio (LTV), which is typically up to 75-80% for most commercial mortgages and up to 95% LTV for CMHC insured mortgages. We can provide a more accurate estimate after reviewing your specific needs and property details.
You will need to provide detailed financial statements for your business, a personal and corporate net worth summary, property appraisals, environmental assessments, and potentially a rent roll if the property is occupied by tenants or construction budget and approvals if the commercial mortgage is for a construction project.
The timeline can vary based on the complexity of the transaction and the completeness of the information provided. Typically, it can take several weeks to a few months from application to funding.
Yes, we can assist with refinancing existing commercial mortgages, whether you're looking to secure a lower interest rate, withdraw equity, or change the terms of your loan.
Our team brings 75+ years of combined experience in the commercial finance industry, providing us with the insight to structure your mortgage in a way that is most beneficial for you. We offer personalized service and access to a wide range of lending sources.
The first step is to contact us for an initial consultation. We will discuss your property, financial goals, and options available to you. From there, we'll guide you through every step of the application process.