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.
We have been working with Cindy at Valko Financial for several years and just purchased our forever home using her guidance and advice. We are so happy with our services we have sent our son to her too. She is kind, patient and gets the best rates for what we need. I highly recommend Valko Financial and will continue to be a customer for my mortgage needs!
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Melissa L
2 days ago
Tracy's team really made the process of finding the right mortgage for me smooth and easy. I highly recommend them!
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ray whit
5 days ago
Tracy and her team were so helpful, kind and supportive! As the proud owners of a small Canadian manufacturing business, we honestly didn’t think we would qualify for a mortgage and had just expected to rent. But when we were introduced to Tracy, a whole new world of possibilities opened up. Tracy and her team helped us purchase both a new home, and space for our business! It’s game changing. Work with them. You won’t be disappointed.
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Rob Bourbeau
7 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.