Commercial Mortgage
Commercial financing that works.
Whether you're purchasing an office, expanding your investment portfolio, or developing a new property, the right commercial mortgage isn’t just about funding — it’s about building your future. At Valko Financial, we bring strategic insight, personalized service, and access to top-tier lenders to help you secure financing that aligns with your business goals.
From office buildings and medical clinics to retail plazas, industrial spaces, and multi-residential developments, we offer customized solutions for a wide range of commercial properties and industries. Our experienced brokers handle the paperwork, negotiations, and financial analysis — so you can focus on your next move with confidence.
With Valko Financial, you’ll get clear guidance, expert support, and a tailored strategy from application to funding. Let’s build your business with the right mortgage solution.
What’s the difference between a residential and commercial mortgage?
A residential mortgage is used to finance a home where you or someone else will live, while a commercial mortgage is used to purchase or refinance properties intended for business use—such as office buildings, retail spaces, or rental properties with five or more units.
How much do I need for a down payment on a commercial property?
Most commercial mortgages require a down payment of 20% to 35%, depending on the lender, property type, and your financial profile. Some specialized or private financing options may vary, but a strong down payment is typically essential for approval.
What types of properties can be financed with a commercial mortgage?
We finance a wide range of commercial properties, including:
- Office buildings
- Retail plazas and storefronts
- Industrial or warehouse facilities
- Multi-residential buildings (5+ units)
- Medical, dental, or professional-use buildings
- Mixed-use and development projects
If you’re unsure whether your property qualifies, we’d be happy to help you explore your options.
I have been working with Tracy Valko and team for almost 2 decades. They are very knowledgeable, proficient and caring. I would highly recommend them to anyone who needs to finance a mortgage.
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Xe Xiong
7 days ago
Narayanlal Shera
10 days ago
This is the 3rd Time I have used Tracy's centre for renegotiating my mortgage. Again from the first phone call Tracy made me feel comfortable and confident that they could help with this particular situation. I was connected to Cindy who made what could have been a stressful situation stress free. She was excellent at communicating where we were at in the process and answering my many questions. Everything was taken care of in a matter of a few weeks. Each time, I have worked with a different member of the team and they have all been fantastic. I would definitely recommend this team to assist you. Susan
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Sue Grande
22 days ago
Ready to explore your options?
Let’s chat about your goals and see if refinancing makes sense for you. We’ll run the numbers, compare your options, and help you make a confident decision.