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.
The team at Valko Financial is truly incredible. They have expert knowledge in this field, keep in regular contact to support you as you navigate this process, and go above and beyond with kind customer service. I feel that they built trust immediately through their expertise and genuine care. I have nothing but incredible things to say about Tracy Valko. Buying a home for the first time is a stressful experience, and she took me right under her wing to help mitigate my stress and help guide me through the mortgage process, all while keeping such a positive and uplifting attitude. She is a remarkable human being with such a commitment to her role/company. She helped me find a great rate with a solid mortgage company. Also, she was professional and efficient with the paperwork side of things. I am so grateful to have had the support and guidance from this team! I could tell that they genuinely cared about me and wanted the best for me as a first time home buyer. Working with them is a MUST! Truly, you will not regret it. Thank you thank you thank you, from the bottom of my heart. Much appreciation and warmest regards, Justine
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Justine Schlegel
11 days ago
Fantastic experience working with Valko Financial. Matthew was very helpful and kept on top of requirements with both myself and my lawyer. Thank you!
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Kelly Zinger
16 days ago
Honesty, Integrity, Commitment & Professionalism! Cindy White checks off each and every box. We truly appreciate and have so much respect not just for your knowledge but also for your guidance. You have always through the years without fail kept our best interest front line and centre. If you were unsure of an answer you found it without hesitation, building a trustworthy relationship one step outta time. My recommendations will always be with you to meet all financial needs! Warmest regards. Nancy & Clarence
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CNC
18 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.