Amir Houshangzadeh - Mortgage Broker

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03/11/2026

A commercial appraisal may be required as part of the financing process.

The lender may use an appraisal to help assess the property's market value and, depending on the property, its income-generating characteristics. The valuation can influence loan-to-value calculations and ultimately the amount of financing a lender is prepared to consider.

Appraisal requirements vary by lender and transaction.

Amir Houshangzadeh
416-688-2121

30/10/2026

A commercial mortgage renewal can be an opportunity to review whether the existing financing still aligns with the property's performance and your current objectives.

Rather than focusing only on the renewal rate, consider the proposed term, amortization, repayment conditions, fees and flexibility.

Starting the review before maturity can give you more time to understand the available options.

Amir Houshangzadeh

416-688-2121

27/10/2026

Two commercial mortgages with similar rates can still have very different payment structures.

Amortization determines how long the loan is calculated to be repaid over and can affect periodic payments and the amount of interest paid over time.

Available amortization periods vary depending on the lender, property and transaction, making it another important factor to consider alongside the rate.

Amir Houshangzadeh

416-688-2121

23/10/2026

When financing an income-producing commercial property, lenders may consider more than the building itself.

Occupancy levels, lease terms, tenant quality, rental income and operating expenses can all form part of the property's financial picture.

Understanding the property's current income and tenancy can therefore be an important part of preparing for commercial financing.

Amir Houshangzadeh

416-688-2121

20/10/2026

Commercial mortgage applications can require more documentation than borrowers expect.

Depending on the transaction and lender, you may be asked for business financial statements, property information, leases or rent rolls, details of existing debt and information about the purpose of the financing.

Having accurate and current documentation available can help make the application process more organized and efficient.

Amir Houshangzadeh

416-688-2121

16/10/2026

Different types of commercial properties can carry different lending considerations.

A lender may consider the property's use, location, occupancy, income, tenants, and marketability as part of its assessment. For example, financing for an industrial property may not be structured the same way as financing for a retail or mixed-use property.

Commercial financing is highly transaction-specific.

Amir Houshangzadeh

416-688-2121

12/10/2026

Happy Thanksgiving! 🍂

Today, we're grateful for the trust of our clients, the support of our business partners, and the relationships we've built along the way.

Wishing you and your loved ones a wonderful Thanksgiving filled with happiness, warmth, and memorable moments.

Amir Mortgage

09/10/2026

Commercial property owners may consider refinancing for a variety of reasons, including restructuring existing financing, accessing available equity or adjusting their financing structure.

The amount and terms available depend on factors such as property value, existing debt, financial performance and lender requirements.

Evaluate refinancing based on the costs, benefits, and objectives of the individual business.

Amir Houshangzadeh
416-688-2121

06/10/2026

For some established businesses, purchasing the property they operate from can be an alternative to continuing to lease.

The decision involves much more than comparing rent with a mortgage payment.

Consider available capital, operating costs, property value, financing terms, and future business plans.

Whether ownership makes financial sense depends on the individual business and property.

Amir Houshangzadeh

416-688-2121

02/10/2026

One factor that may be considered in commercial mortgage underwriting is the property's ability to generate enough income to cover its debt obligations.

This is commonly assessed using a debt service coverage ratio (DSCR).

Requirements can vary depending on the lender, property type and overall transaction, so there isn't one universal ratio that applies to every commercial mortgage.

Amir Houshangzadeh

416-688-2121

Address

30 Fulton Way, Unit 8 Suite 100

Opening Hours

Monday

09:00 - 18:00

Telephone

+14166882121

Website

https://amirmortgage.ca/

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