BC Commercial Mortgage structures financing around the specific characteristics of each property type — matching BC assets to the lenders who understand their local market dynamics and income potential.
The property type is the single most important underwriting variable in a commercial mortgage — it determines lender eligibility, maximum LTV, minimum DSCR thresholds, amortization period options, and which lender programs apply.
A CMHC-insured apartment building gets access to financing terms that a standalone retail property never will. An industrial property in a low-vacancy market gets underwritten very differently from a hotel in a seasonal tourism location.
Our advisory team ensures your deal is packaged for the right lender category from day one.
