Commercial Mortgage Calculator Canada – Compare & Save
Are you looking to finance a commercial property in Canada with confidence? Our Commercial Mortgage Calculator Canada is designed to give you precise, real-world estimates of your monthly payments, interest costs, and loan qualification details. Whether you’re a business owner, investor, or developer, this interactive tool provides the clarity you need to make informed decisions—fast, free, and at your fingertips.
Use our Commercial Mortgage Calculator now and see your potential loan amount, monthly payments, and amortization schedules.

Why Choose Our Commercial Mortgage Calculator?
Accurate, Real-World Calculations
Factor in purchase price, down payment, interest rates, and amortization for a truly transparent estimate.Dynamic Input Fields
Customize loan-to-value, annual Net Operating Income, and Debt Service Coverage Ratio (DSCR) requirements to see if you meet lender criteria.Compare Multiple Scenarios
Toggle between different interest rates, payment frequencies, and payment types (interest-only vs. amortized) to find the best approach.Visual Graphs & Payment Schedules
See an interactive breakdown of how interest adds up over time, plus a full amortization schedule in one click.Mobile-Friendly & Lightning Fast
Access and adjust the calculator on-the-go—perfect for site visits, investor meetings, or quick feasibility checks.
Ready for deeper discussion? Book a Free Loan Assessment with our experts today!
Who Is This Calculator For?
Business Owners & Entrepreneurs
Secure or refinance your office, warehouse, or retail space with ease.
Commercial Investors
Assess loan viability for multi-unit, mixed-use, or specialized commercial properties.
Builders & Developers
Plan financing for large projects, ensuring monthly obligations fit your pro forma.
If you want to understand business mortgage rates in Canada or figure out how much you can borrow for a commercial mortgage, this is your best starting point.


How Our Commercial Mortgage Calculator Works
1. Key Loan Details
- Purchase Price & Down Payment: Input the property cost and how much cash you’ll put down.
- Interest Rate & Term: Choose fixed or variable rates, plus an amortization period that suits your strategy.
2. Advanced Metrics
- Debt Service Coverage Ratio (DSCR): Evaluate if your project’s Net Operating Income covers the annual debt service.
- Loan-to-Value (LTV): See if your requested loan amount aligns with standard commercial lending thresholds.
3. Payment Options
- Interest-Only vs. Amortized: Decide if you prefer lower initial payments or standard principal + interest.
- Monthly or Bi-Weekly Payments: Compare frequencies to find potential interest savings.
4. Instant Calculations & Reports
- Breakdown of Principal & Interest
- Scenario Comparisons with different rates or terms
- Printable PDF Report for easy sharing with partners or lenders
Try the Commercial Mortgage Calculator now. Your ideal financing solution is just a few clicks away!
Who Is This Calculator For?
Business Owners & Entrepreneurs
Secure or refinance your office, warehouse, or retail space with ease.
Commercial Investors
Assess loan viability for multi-unit, mixed-use, or specialized commercial properties.
Builders & Developers
Plan financing for large projects, ensuring monthly obligations fit your pro forma.
If you want to understand business mortgage rates in Canada or figure out how much you can borrow for a commercial mortgage, this is your best starting point.


Benefits for Canadian Businesses & Investors
- Accurate Budgeting
Know exactly how monthly payments affect your cash flow, so you’re never caught off guard. - Better Loan Negotiations
Armed with precise data, you can negotiate lower interest rates or better terms confidently. - Quicker Decisions
Real-time scenario tweaks let you see if a property is truly viable, saving you time on due diligence. - Expert Backing
If you need a second opinion, our team is here to guide you, ensuring you have access to 65+ lenders.
Commercial Mortgage Calculator Canada
Estimate financing for your Canadian commercial property. Compare multiple scenarios, check DSCR & LTV, and download a custom PDF report for deeper insights.
Project & Loan Details
Financing & Payment
Scenario 2 (Optional Comparison)
Calculation Results
- Total Loan Based on LTV:
- DSCR Result (Scenario 1):
- DSCR Result (Scenario 2):
Scenario 1
- Monthly Payment (or Bi-Weekly):
- Total Interest Over Term:
- Total Payments Over Term:
Scenario 2
- Monthly Payment (or Bi-Weekly):
- Total Interest Over Term:
- Total Payments Over Term:
Disclaimer:
The tools and features on this website provide estimates and perform calculations for illustrative purposes only. They rely on various assumptions that may not account for every individual situation. For accurate and personalized guidance, we recommend consulting with a Genesis Group mortgage expert. The Genesis Group does not guarantee the accuracy, reliability, or completeness of these tools or their calculations.
FAQ: Commercial Mortgage Calculator Canada
Is this calculator free and accurate?
Absolutely. All our loan payment estimators use industry-standard formulas and current rate assumptions for Canada. It’s 100% free, no sign-up needed.
Can I compare multiple rates or amortizations?
Yes! Our scenario feature helps you toggle between different interest rates and payment types (interest-only vs. amortized).
What about DSCR requirements?
Simply enter your scenario. If you’d like direct assistance, we can connect you to potential special business rates with certain lenders.
How do I see if I qualify for special lending programs?
Our calculator provides highly accurate estimates based on industry-standard financial models, but it’s always best to consult with a mortgage advisor for personalized advice.
(Need further details on mortgage rules for commercial properties? Visit the Government of Canada’s FCAC for official guidelines.)
Ready to Secure the Best Commercial Mortgage?
Don’t let guesswork limit your opportunities. Use our Commercial Mortgage Calculator Canada to get accurate estimates in seconds. Then, book a free consultation with our experts to finalize the perfect financing strategy for your business or investment property.
Calculate Your Commercial Mortgage Now or See If You Qualify for Special Rates
Maximize your ROI and drive growth with Canada’s most powerful commercial mortgage tool. Let’s get started!