01Size the deal
CMBS Conduit Debt in Canada
Capitalor facts
- Securitized fixed-rate debt with defeasance and limited flexibility.
- Illustrative structure: 65% LTV, 30-year amortization, 10-year term, 1.40x coverage floor.
- Scenario rate 5.75%: GoC 5-yr 3.60% (as of 2026-10-07) + 215 bps illustrative spread = 5.75%. Not a lender or program rate.
About these terms
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
Scenario rate
5.75%
Hypothetical
Illustrative LTV
65%
Coverage floor
1.40x
Term
10 yr
Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: CMBS Conduit Debt · tier 3 · 12 market guides
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 215 bps illustrative spread = 5.75% · hypothetical $5,000,000 value, $300,000 NOI
02Stress the debt
DSCR calculator
Hypothetical CMBS Conduit Debt scenario — enter your own numbers
Annual debt service
$227,593
DSCR
1.32x
Below lender threshold
Max loan at 1.40x
$3,059,968
LTV calculator
Hypothetical CMBS Conduit Debt scenario — enter your own numbers
Current LTV
65.0%
Inside lender band
Max loan at cap
$3,250,000
Equity required
$1,750,000
04Choose city
CMBS Conduit Debt by market
Each market page runs the same hypothetical scenario with local census context. Capitalor does not publish verified local rates, lender counts or deal sizes.
| CMBS Conduit Debt in Toronto | ON | 1 | 2,794,356 |
| CMBS Conduit Debt in Montreal | QC | 1 | 1,762,949 |
| CMBS Conduit Debt in Calgary | AB | 1 | 1,306,784 |
| CMBS Conduit Debt in Ottawa | ON | 1 | 1,017,449 |
| CMBS Conduit Debt in Edmonton | AB | 1 | 1,010,899 |
| CMBS Conduit Debt in Winnipeg | MB | 1 | 749,607 |
| CMBS Conduit Debt in Mississauga | ON | 1 | 717,961 |
| CMBS Conduit Debt in Vancouver | BC | 1 | 662,248 |
| CMBS Conduit Debt in Brampton | ON | 1 | 656,480 |
| CMBS Conduit Debt in Hamilton | ON | 1 | 569,353 |
| CMBS Conduit Debt in Surrey | BC | 1 | 568,322 |
| CMBS Conduit Debt in Quebec City | QC | 1 | 549,459 |
ActQuestions
What rate does cmbs conduit debt carry today?
Capitalor does not publish a current lender rate. Its scenario uses GoC 5-yr 3.60% (as of 2026-10-07) + 215 bps illustrative spread = 5.75%. Get real quotes for your file.
What would cmbs conduit debt cost to service per $1M in the scenario?
$70,029 a year at the 5.75% scenario rate over 30 years. Servicing cost only — premiums, fees and prepayment terms sit outside it.
How much equity would the illustrative structure need?
At an illustrative 65% LTV the sponsor funds the remaining 35% plus closing costs. Actual maximum leverage is set by the lender or program.
Are these official terms?
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
Sources
- [1] Bank of Canada Valet API — GoC 5-year, last observation on file 2026-10-07
Not advice — Capitalor is a data publisher. We do not originate, broker, arrange, or place debt, and nothing here is an offer of credit, a quote, or financial advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed lender or mortgage professional before you rely on them. About Capitalor