01Size the deal
Commercial Mortgage in Canada
Capitalor facts
- Conventional term debt on stabilized income-producing commercial property.
- Illustrative structure: 70% LTV, 25-year amortization, 5-year term, 1.25x coverage floor.
- Scenario rate 5.50%: GoC 5-yr 3.60% (as of 2026-10-07) + 190 bps illustrative spread = 5.50%. 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
5.50%
Hypothetical
Illustrative LTV
70%
Coverage floor
1.25x
Term
5 yr
Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Commercial Mortgage · tier 1 · 134 market guides
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 190 bps illustrative spread = 5.50% · hypothetical $5,000,000 value, $300,000 NOI
02Stress the debt
DSCR calculator
Hypothetical Commercial Mortgage scenario — enter your own numbers
Annual debt service
$257,917
DSCR
1.16x
Below lender threshold
Max loan at 1.25x
$3,256,865
LTV calculator
Hypothetical Commercial Mortgage scenario — enter your own numbers
Current LTV
70.0%
Inside lender band
Max loan at cap
$3,500,000
Equity required
$1,500,000
04Choose city
Commercial Mortgage 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.
Related products
ActQuestions
What rate does commercial mortgage carry today?
Capitalor does not publish a current lender rate. Its scenario uses GoC 5-yr 3.60% (as of 2026-10-07) + 190 bps illustrative spread = 5.50%. Get real quotes for your file.
What would commercial mortgage cost to service per $1M in the scenario?
$73,690 a year at the 5.50% scenario rate over 25 years. Servicing cost only — premiums, fees and prepayment terms sit outside it.
How much equity would the illustrative structure need?
At an illustrative 70% LTV the sponsor funds the remaining 30% 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