Office Building Mortgage Financing
Commercial mortgages for office properties across Canada, the U.S., and Mexico. We navigate complex tenant dynamics, lease structures, and market conditions-from single-tenant medical buildings to multi-floor Class B complexes.
Strategy Call
Discuss your office property and financing needs
Custom Solution
We structure the optimal financing package
Close & Grow
Get funded and expand your portfolio
Office Financing That Banks Can't Match
Traditional banks often struggle with contemporary office financing given remote work trends. We operate through specialized commercial lenders who evaluate properties based on true income potential.
Tenant-Focused Evaluation
We understand what lenders scrutinize: tenant creditworthiness, lease duration, occupancy stability, and consistent cash flow patterns.
Cross-Border Expertise
Seamless financing across Canada, USA, and Mexico with deep knowledge from Toronto to Phoenix to Mexican markets.
Market Understanding
We work with specialized commercial lenders who evaluate properties based on true income potential rather than market sentiment alone.
All Building Classes
From downtown Class A towers to suburban professional centers to Class C value-add opportunities-we have lenders for every building type.
Higher Vacancy Solutions
We work with lenders who finance office buildings with higher vacancy if you have a solid lease-up strategy and strong market fundamentals.
Medical Office Specialists
Medical office buildings often qualify for favorable terms due to specialized tenant improvements, longer leases, and stable occupancy.
Ready to finance your office building?
Let's discuss your property and find the right financing solution.
Complete Office Building Financing Solutions
From bridge loans for tenant transitions through permanent financing for stabilized properties, we provide comprehensive solutions for office building investors.
Purchase
Competitive acquisition financing across all building classes, from downtown Class A to suburban professional centers. We structure financing based on tenant quality and cash flow potential.
Discuss this financing optionWhat's Included
- Class A, B, and C building financing
- Single-tenant and multi-tenant properties
- Medical office specialists
- Suburban and downtown locations
- Competitive rates for stabilized buildings
What Our Clients Say
Questions About Office Building Financing
Everything you need to know about commercial office mortgages. Can't find your answer? Book a call with our team.
Getting Started
Down payment requirements typically range from 25-40% depending on building class, tenant quality, occupancy rates, and your commercial real estate experience. Class A buildings with strong tenants may qualify for lower down payments.
Yes, we work with lenders who finance office buildings with higher vacancy if you demonstrate a solid lease-up strategy, strong market fundamentals, or plans to reposition the property. Bridge financing is often the best solution for these situations.
Expect 60-90 days from application to closing for most transactions. Bridge financing can move faster (45-60 days), while construction loans may take longer due to additional documentation and approvals.
Underwriting & Rates
Lenders focus on tenant creditworthiness, lease duration and terms, occupancy rates, property location and class, building condition, borrower track record, and debt service coverage ratios (typically 1.25-1.35x minimum).
LTV ratios generally range from 60-75% depending on the property's quality and performance. Class A buildings with strong tenants may qualify for higher leverage, while value-add or transitioning properties will be lower.
Lenders have become more selective, focusing on property quality, location, and tenant strength. Well-located Class A buildings with credit tenants remain financeable, while some suburban Class B/C properties face more scrutiny.
Property Types
Yes, medical office buildings often qualify for favorable terms due to specialized tenant improvements that create sticky tenants, longer lease terms, and historically stable occupancy rates. Healthcare tenants are viewed favorably.
Class A buildings are the newest, best-located buildings with premier tenants and receive the most competitive rates. Class B are older but well-maintained buildings in good locations with moderate terms. Class C are older, secondary-location properties with higher rates but still available financing.
Yes, owner-occupied office buildings qualify for attractive financing, especially when occupying 51% or more of the space. Specialized owner-occupied mortgages often offer better terms than traditional commercial loans.
Documentation & Process
Typically required: rent rolls, tenant leases, operating statements, tax returns, property appraisals, personal financial statements, environmental assessments, property condition reports, and acquisition/business plans.
Yes, we provide financing for office properties across Canada, the USA, and Mexico. We understand the unique challenges of international commercial investment including local regulations and cross-border considerations.
Still have questions about your office building?
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