Mortgage Financing

Mortgage Financing

Impact Commercial is an independent mortgage brokerage focused exclusively on commercial and construction mortgage financing. With our client’s best interests in mind, we use our expertise to quickly and efficiently turn mortgage applications into approvals. We do this by using our decades of experience and relationships with proven funders to structure applications for a prompt approval.

Expert analysis, file structuring and risk mitigation are how we differentiate from our competitors and allows us to negotiate the best mortgage rates and terms for our clients. With continually increasing land values for existing commercial properties and new construction projects, our analysis also allows us to support the necessary leverage (loan to value) needed to make the transactions happen.

By working collaboratively with our financing partners, we’re able to further customize mortgage solutions specific to the unique needs of our clients. Often there is a need for a “bridge” or “asset repositioning” mortgage where creative leverage and debt servicing is required until a conventional term solution is obtained. Impact Commercial understands this process and is able to obtain financing solutions with our valued financing partners.

Commercial Properties – With an in-depth knowledge of the commercial real estate market, Impact Commercial understands the nuances associated with owner-occupied and investment property purchases and refinancings. We recognize the balancing act between leverage (loan to value) and the ability to demonstrate to funders a capacity to make the necessary repayment (debt servicing). Our goal is to implement a smooth process from initial meetings to the setting of realistic outcomes and ultimately to securing the necessary funding for your transaction.

Construction Projects ­­– Our team of mortgage experts jump in at the beginning stages of planning and work with you to determine and fill your financing needs as effectively as possible. Construction financing can be inherently complex, and we aim to make it as simple as possible for your vision to become a reality.

Is the Construction Project’s Section Over?

Mortgage financing with Impact Commercial Group includes servicing the following areas (but not limited to):

  • Condominium, apartment, and townhouse construction projects of all sizes.
  • Industrial construction and term financing for owner-occupied or investment industrial spaces.
  • Other financing such as land acquisitions and subdivision, inventory financing, hospitality, bridge financing and single room occupancy (SRO) properties.

We are fully knowledgeable of a multitude of different business types and legal structures inclusive of corporations, limited partnerships and joint ventures, which allows us to present the optimal financing proposal to obtain prompt approvals.

Looking to find the best mortgage financing rates and terms available for your endeavour? We’ll review your options and help you to take your business to the next level.