01Size the deal
Owner-Occupied Financing in Canada
Capitalor facts
- The Capitalor Commercial Debt Rate Index places owner-occupied financing at 5.25% indicative, a 210 bps spread over the Government of Canada 5-year benchmark.
- Typical structure: 75% LTV, 20-year amortization, 5-year term.
- The Capitalor DSCR Stress Band for this product starts at 1.25x coverage.
Indicative rate
5.25%
Typical LTV
75%
DSCR floor
1.25x
Term
5 yr
Capitalor Commercial Debt Rate Index · Last updated 2026-08-14 · Maintained by Capitalor Data Desk
Scope: Owner-Occupied Financing · tier 3 · 12 markets published
Inputs: GoC 5-yr benchmark + 210 bps · 75% LTV · 1.25x DSCR · 20-yr amortization
Next scheduled review: 2026-09-14
Debt underwritten on business cash flow rather than third-party rent.
How these figures were produced
- Observed — Recorded directly from the cited source series, unadjusted.
- Modelled — Derived arithmetically from observed inputs using the published method; not a market quote.
- Baseline seed — A documented starting estimate awaiting first observation. Treat as an order-of-magnitude figure only.
02Stress the debt
DSCR calculator
Preset to Owner-Occupied Financing
Annual debt service
$363,876
DSCR
1.15x
Below lender threshold
Max loan at 1.25x
$4,155,263
LTV calculator
Preset to Owner-Occupied Financing
Current LTV
69.2%
Inside lender band
Max loan at cap
$4,875,000
Equity required
$1,625,000
04Choose city
Owner-Occupied Financing by market
Debt service is computed on the market's average transaction at 75% LTV and 5.25% over 20 years.
| Owner-Occupied Financing in Toronto | 1 | 100 | 5.1% | $8,600,000 | $6,450,000 | $521,555 |
| Owner-Occupied Financing in Montreal | 1 | 100 | 5.4% | $6,100,000 | $4,575,000 | $369,940 |
| Owner-Occupied Financing in Vancouver | 1 | 100 | 4.4% | $9,800,000 | $7,350,000 | $594,331 |
| Owner-Occupied Financing in Calgary | 1 | 100 | 6.2% | $5,400,000 | $4,050,000 | $327,488 |
| Owner-Occupied Financing in Edmonton | 1 | 100 | 6.6% | $4,300,000 | $3,225,000 | $260,778 |
| Owner-Occupied Financing in Ottawa | 1 | 100 | 5.6% | $5,200,000 | $3,900,000 | $315,359 |
| Owner-Occupied Financing in Winnipeg | 1 | 100 | 6.4% | $3,600,000 | $2,700,000 | $218,326 |
| Owner-Occupied Financing in Quebec City | 1 | 100 | 6.0% | $3,400,000 | $2,550,000 | $206,196 |
| Owner-Occupied Financing in Hamilton | 1 | 100 | 5.7% | $4,100,000 | $3,075,000 | $248,648 |
| Owner-Occupied Financing in Mississauga | 1 | 100 | 5.2% | $6,800,000 | $5,100,000 | $412,393 |
| Owner-Occupied Financing in Brampton | 1 | 100 | 5.4% | $5,100,000 | $3,825,000 | $309,294 |
| Owner-Occupied Financing in Surrey | 1 | 100 | 4.9% | $5,900,000 | $4,425,000 | $357,811 |
ActQuestions
What rate does owner-occupied financing carry today?
The Capitalor Commercial Debt Rate Index shows 5.25% indicative, a 210 bps spread over the GoC 5-year benchmark.
What does owner-occupied financing cost to service per $1M borrowed?
$80,861 a year at 5.25% over 20 years. That is servicing cost only — premiums, fees, and prepayment terms sit outside it.
How much equity will a lender expect?
At 75% LTV the sponsor funds the remaining 25% plus closing costs.
Which coverage ratio clears credit?
1.25x is the floor in the Capitalor DSCR Stress Band for this product. Below it, proceeds are cut until coverage clears rather than the file being repriced.
In how many Canadian markets does Capitalor publish owner-occupied financing data?
12. Tier 3 products publish only in markets deep enough to support them, so the count is deliberately short of all 66 tracked markets.
Sources
- [1] Bank of Canada valet API — GoC 5-year benchmark
- [2] Capitalor lender term sampling — LTV, DSCR, amortization norms
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