01Size the deal
Construction Financing in Caledon, ON
Capitalor facts
- Scenario rate 7.35%: GoC 5-yr 3.60% (as of 2026-10-07) + 375 bps illustrative spread = 7.35%. Not a lender quote.
- Hypothetical deal: $5,000,000 value, 6.0% cap rate, $300,000 NOI — replace with your own.
- Caledon population: 76,581 (2021 Census). No verified local lender count, cap rate or deal size is published.
Scenario rate
7.35%
Hypothetical
Illustrative LTV
65%
Coverage floor
1.00x
Scenario coverage
1.26x
Capitalor scenario model (published formulas, hypothetical inputs) · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Construction Financing · Caledon, ON
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 375 bps illustrative spread = 7.35%
Draw-based debt funding hard and soft costs through to occupancy. Capitalor does not publish a lender rate for construction financing in Caledon. The scenario on this page starts from the GoC 5-year benchmark of 3.60% observed on 2026-10-07 plus an illustrative 375 bps spread, giving a 7.35% scenario rate. Replace it with a real quote as soon as you have one.
On a hypothetical $5,000,000 property at a hypothetical 6.0% cap rate ($300,000 NOI), a 65% advance is $3,250,000 and costs $238,875 a year at 7.35% interest-only — 1.26x coverage. The 1.00x floor caps the loan at $4,081,633, so leverage binds first in this scenario.
Coverage falls to the 1.00x floor at about 9.23% — 1.88% of headroom above the 7.35% scenario rate.
Caledon, ON had a population of 76,581 in the Statistics Canada 2021 Census. Capitalor does not currently hold a verified local lender count, cap rate, or transaction average for Caledon, so none is shown. Enter your own property value, NOI and quote into the calculators below.
Leverage, amortization, term and spread are illustrative structure settings for this product type, not any lender's published terms or an offer of credit.
What would construction financing cost on a hypothetical Caledon deal?
At the 7.35% scenario rate, $3,250,000 of proceeds on a $5,000,000 property, costing $238,875 a year at a 65% advance. Coverage falls to the 1.00x floor at about 9.23% — 1.88% of headroom above the 7.35% scenario rate.
02Stress the debt
192 observations from 2026-01-02 to 2026-10-07. Net move +0.60 percentage points. Capitalor never deletes an observation.
Loan and NOI held constant. Where the curve crosses the floor line is the rate at which this deal stops covering its debt service.
DSCR calculator
Hypothetical Construction Financing scenario — enter your Caledon numbers
Annual debt service
$284,412
DSCR
1.05x
Within Capitalor DSCR Stress Band
Max loan at 1.00x
$3,428,123
LTV calculator
Hypothetical Construction Financing scenario — enter your Caledon numbers
Current LTV
65.0%
Inside lender band
Max loan at cap
$3,250,000
Equity required
$1,750,000
05Decide
Debt scope builder
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04Choose city
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ActQuestions
What rate will I get on construction financing in Caledon?
Capitalor does not know and does not publish one. The 7.35% on this page is a scenario: GoC 5-yr 3.60% (as of 2026-10-07) + 375 bps illustrative spread = 7.35%. Actual quotes depend on the lender, asset, covenant and sponsor.
How large a loan does the hypothetical scenario support?
$3,250,000. Leverage allows $3,250,000 (65% of $5,000,000); coverage allows $4,081,633 on $300,000 NOI at a 1.00x floor. The lower number binds.
What is the annual debt service?
$238,875 per year ($19,906 monthly) on $3,250,000 at 7.35%, interest-only.
How much rate headroom is there before coverage breaks?
Coverage falls to the 1.00x floor at about 9.23% — 1.88% of headroom above the 7.35% scenario rate.
How many lenders write this product in Caledon?
Capitalor does not publish a count. Its lender register is a national list of firms, not a verified local census, so it cannot support a Caledon-specific number.
Are these official program 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.
How current is the benchmark?
The last Bank of Canada observation on file is 2026-10-07.
Can I export my own numbers?
Yes. The debt scope builder on this page exports a term-sheet-ready PDF from your own inputs. No email, no account, no gate.
Sources
- [1] Bank of Canada — benchmark rate series — Government of Canada 5-year benchmark bond yield, last observation on file 2026-10-07
- [2] Statistics Canada — 2021 Census of Population — Caledon population
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