01Size the deal
Portfolio Financing in Canada
Capitalor facts
- One credit facility cross-collateralized across multiple assets.
- Illustrative structure: 68% LTV, 25-year amortization, 5-year term, 1.30x coverage floor.
- Scenario rate 5.60%: GoC 5-yr 3.60% (as of 2026-10-07) + 200 bps illustrative spread = 5.60%. 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
5.60%
Hypothetical
Illustrative LTV
68%
Coverage floor
1.30x
Term
5 yr
Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Portfolio Financing · tier 3 · 12 market guides
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 200 bps illustrative spread = 5.60% · hypothetical $5,000,000 value, $300,000 NOI
02Stress the debt
DSCR calculator
Hypothetical Portfolio Financing scenario — enter your own numbers
Annual debt service
$252,990
DSCR
1.19x
Below lender threshold
Max loan at 1.30x
$3,101,368
LTV calculator
Hypothetical Portfolio Financing scenario — enter your own numbers
Current LTV
68.0%
Inside lender band
Max loan at cap
$3,400,000
Equity required
$1,600,000
04Choose city
Portfolio Financing 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.
| Portfolio Financing in Toronto | ON | 1 | 2,794,356 |
| Portfolio Financing in Montreal | QC | 1 | 1,762,949 |
| Portfolio Financing in Calgary | AB | 1 | 1,306,784 |
| Portfolio Financing in Ottawa | ON | 1 | 1,017,449 |
| Portfolio Financing in Edmonton | AB | 1 | 1,010,899 |
| Portfolio Financing in Winnipeg | MB | 1 | 749,607 |
| Portfolio Financing in Mississauga | ON | 1 | 717,961 |
| Portfolio Financing in Vancouver | BC | 1 | 662,248 |
| Portfolio Financing in Brampton | ON | 1 | 656,480 |
| Portfolio Financing in Hamilton | ON | 1 | 569,353 |
| Portfolio Financing in Surrey | BC | 1 | 568,322 |
| Portfolio Financing in Quebec City | QC | 1 | 549,459 |
ActQuestions
What rate does portfolio financing carry today?
Capitalor does not publish a current lender rate. Its scenario uses GoC 5-yr 3.60% (as of 2026-10-07) + 200 bps illustrative spread = 5.60%. Get real quotes for your file.
What would portfolio financing cost to service per $1M in the scenario?
$74,409 a year at the 5.60% 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 68% LTV the sponsor funds the remaining 32% 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