Commercial Mortgage Broker in the GTA
Financing solutions for business owners, investors, and developers across Toronto, Mississauga, and the Greater Toronto Area.
As a trusted commercial mortgage broker GTA business owners rely on, I know that commercial real estate deals don’t get done with a generic application and a prayer. Whether you’re buying your first office unit, refinancing a plaza, or funding a multi-family acquisition, you need a broker who knows which lenders will actually say yes — and at what rate. That’s what I do.
I’m Kevin Singh Dhaliwal, a GTA-based mortgage broker specializing in commercial mortgages across Toronto, Mississauga, Brampton, and the surrounding regions.
What I Finance
- Office, retail, and industrial properties
- Multi-family buildings (5+ units)
- Mixed-use and development sites
- Plaza and strip mall refinancing
- Construction and bridge financing
- Owner-occupied and investor-held commercial real estate
Why Use a Commercial Mortgage Broker
Going directly to your bank for a commercial mortgage usually means one product, one set of rates, and a lot of “no.” A commercial mortgage broker works across banks, credit unions, monoline lenders, and private funds — which means more approvals, better terms, and deals that actually close.
Working with me, you get:
- Access to 50+ commercial lenders across Canada
- Rate negotiation on your behalf, not the lender’s
- Deal structuring for self-employed borrowers, complex income, or non-traditional assets
- A GTA mortgage broker who understands this market, not a call-center rep
My Process
- Discovery call — 20 minutes, no cost. You tell me about the property and the goal.
- Deal packaging — I build a lender-ready submission that puts your best numbers forward.
- Lender matching — I shop your deal to the right lenders, not every lender.
- Approval & close — I stay with you through appraisal, conditions, and signing.
Commercial Mortgage FAQ
What down payment do I need for a commercial mortgage in the GTA?
Most commercial lenders require 25–35% down, though some insured programs for owner-occupied properties go as low as 15%. I’ll find the best fit based on your property type and financial profile.
Can I get a commercial mortgage with bruised credit?
Yes. Private and alternative lenders offer commercial financing with more flexible credit requirements. Rates are higher, but I’ll structure the deal to minimize cost and plan an exit to conventional terms.
How long does a commercial mortgage approval take?
Conventional commercial approvals typically take 3–6 weeks. Private deals can close in as little as 5–10 business days. Timelines depend on appraisal, environmental reports, and lender conditions. I keep you updated at every stage so there are no surprises.
About Kevin Singh Dhaliwal
Kevin Singh Dhaliwal is a licensed mortgage broker based in Mississauga, serving the Greater Toronto Area. With over 12 years in the industry, Kevin holds an active FSRA licence and has funded hundreds of commercial and residential files across Ontario, Alberta, British Columbia, and Saskatchewan. His specialties include multi-unit residential acquisitions, plaza refinancing, and complex self-employed commercial deals. Kevin works with business owners, real estate investors, and developers who need a broker who can navigate complex commercial files — not just tick boxes.
Related Mortgage Services for Business Owners
Many of my commercial mortgage broker GTA clients also use these services:
- Self-Employed Mortgages — If your personal residence is tied to your business income, I handle both files together for a smoother approval.
- Private Mortgages — When banks won’t move fast enough, private lenders can bridge the gap on time-sensitive commercial deals.
- Small Business Loans — Need operating capital alongside your commercial mortgage? I can package both.
- HELOC — Use a HELOC to leverage commercial property equity for renovations or new acquisitions.
- Mortgage Refinancing — Restructure your existing commercial mortgage for better terms or to free up capital.
- Debt Consolidation — Roll high-interest business debts into one lower monthly payment.