BC Commercial Mortgage Fees & Pricing | Transparency & Broker Compensation
Pricing and Rate Transparency

BC Commercial Mortgage Fees and Pricing — What to Expect and How We Are Compensated

Understanding the full cost picture before you sign a term sheet prevents surprises at closing. We believe in complete transparency: we disclose compensation upfront and help you budget for all third-party transaction costs.

Broker Compensation

In the majority of BC commercial mortgage transactions, broker fees are paid by the lender as a finder's fee — meaning there is no direct cost to the borrower for our advisory services.

However, for certain specialized deal types, a broker fee payable by the borrower may apply. These typically include:

  • Private lending and bridge facilities
  • Complex construction financing
  • Highly structured distressed or unique asset files

Any such fee is fully disclosed before any work begins and is formally agreed upon in writing. Our goal is to ensure you understand the value and the cost of the structure before commitment.

Fee Summary Guide

Standard Bank Deals Lender Paid
CMHC Programs Lender Paid
Private/Bridge 0.5% - 1.5%*
Consulting/Advisory Per Engagement

*Borrower-paid fees are subject to deal complexity and loan size.

Budgeting for Success

Lender and Transaction Fees

Beyond broker compensation, BC commercial borrowers should budget for specific third-party costs required to satisfy lender underwriting requirements.

Due Diligence

  • Appraisal Fee: Typically $2,500–$10,000+ depending on property size and complexity. Required by most lenders.
  • Environmental Assessment: Phase I or Phase II ESA may be required. Budget $1,500–$8,000+.

Professional & Legal

  • Legal Fees: Borrower pays their own counsel plus the lender's legal costs. Budget $3,000–$8,000+.
  • Commitment Fee: Some lenders charge an application fee, typically 0.25%–1.0% of the loan amount.

Insurance & Programs

  • CMHC Premiums: For insured programs, premiums (0.25%–4.0%) are typically added to the mortgage balance.
  • Site Inspections: Required for construction draws or specific renewals.

For a full breakdown of specific closing costs, see our Closing Costs Guide →

BC Commercial Mortgage Rates

Rate Transparency

Current commercial mortgage rates in BC are not "one size fits all." They depend heavily on your property type, Loan-to-Value (LTV), amortization period, and which "tier" of lender the deal fits within.

We provide real-time guidance on where the market is moving for Industrial, Multi-Family, Retail, and Office assets across the province.

View Current BC Rates