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.

Commercial Mortgage Calculator Canada-the Genesis Group

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.

Commercial Mortgage Calculator Canada-the Genesis Group
Commercial Mortgage Calculator Canada-the Genesis Group

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.

Commercial Mortgage Calculator Canada-the Genesis Group
Commercial Mortgage Calculator Canada-the Genesis Group

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

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.

Yes! Our scenario feature helps you toggle between different interest rates and payment types (interest-only vs. amortized).

Simply enter your scenario. If you’d like direct assistance, we can connect you to potential special business rates with certain lenders.

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!

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

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