01Size the deal
Retail & Office Financing in Canada
Capitalor facts
- Term debt underwritten on tenant covenant and lease rollover risk.
- Illustrative structure: 60% LTV, 20-year amortization, 5-year term, 1.35x coverage floor.
- Scenario rate 6.05%: GoC 5-yr 3.60% (as of 2026-10-07) + 245 bps illustrative spread = 6.05%. 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
6.05%
Hypothetical
Illustrative LTV
60%
Coverage floor
1.35x
Term
5 yr
Capitalor scenario model · Page revised 2026-09-23 · Maintained by Capitalor Data Desk
Scope: Retail & Office Financing · tier 2 · 33 market guides
Inputs: GoC 5-yr 3.60% (as of 2026-10-07) + 245 bps illustrative spread = 6.05% · hypothetical $5,000,000 value, $300,000 NOI
02Stress the debt
DSCR calculator
Hypothetical Retail & Office Financing scenario — enter your own numbers
Annual debt service
$258,955
DSCR
1.16x
Below lender threshold
Max loan at 1.35x
$2,574,453
LTV calculator
Hypothetical Retail & Office Financing scenario — enter your own numbers
Current LTV
60.0%
Inside lender band
Max loan at cap
$3,000,000
Equity required
$2,000,000
04Choose city
Retail & Office 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.
ActQuestions
What rate does retail & office financing carry today?
Capitalor does not publish a current lender rate. Its scenario uses GoC 5-yr 3.60% (as of 2026-10-07) + 245 bps illustrative spread = 6.05%. Get real quotes for your file.
What would retail & office financing cost to service per $1M in the scenario?
$86,318 a year at the 6.05% scenario rate over 20 years. Servicing cost only — premiums, fees and prepayment terms sit outside it.
How much equity would the illustrative structure need?
At an illustrative 60% LTV the sponsor funds the remaining 40% 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