Purchasing a Commercial Property in Toronto
Unlock Opportunities with Commercial Real Estate
Some conditions may apply. Rates may vary from Province to Province. Rates subject to change without notice. Posted rates may be high ratio and/or quick close which can differ from conventional rates. *O.A.C. & E.O
Esi Ghassemi - Mortgage Broker at Centum Financial Services Limited Partnership - Brokerage # 13054
Investing in commercial property can be a lucrative decision, whether you’re expanding your business, diversifying your portfolio, or securing a long-term asset. At Esi.Mortgage, we specialize in providing tailored financing solutions for purchasing commercial properties across Toronto, Richmond Hill, and the Greater Toronto Area (GTA).

Why Invest in Commercial Real Estate?
Commercial real estate offers unique advantages that make it an attractive investment:
- Income Potential: Generate steady cash flow through rental income.
- Appreciation: Commercial properties typically appreciate over time, offering long-term value.
- Portfolio Diversification: Add stability to your investment portfolio.
- Tax Benefits: Potential deductions for mortgage interest, property taxes, and depreciation.
- Business Expansion: Secure a prime location for your business operations.
How Esi.Mortgage Can Help
We understand the complexities of commercial real estate financing and provide comprehensive solutions to make your investment seamless. Here’s how we assist:
Customized Financing Options:
- Access to a wide range of lenders specializing in commercial property financing.
- Tailored solutions for office spaces, retail properties, industrial units, and more.
Competitive Rates:
Secure low-interest rates and favorable terms to maximize your ROI.
Expert Guidance:
- Navigate zoning regulations, legal requirements, and market conditions.
- Provide insights into the commercial real estate market in Toronto, Richmond Hill, and the GTA.
Streamlined Process:
- Handle all paperwork and lender negotiations.
- Ensure timely approvals to secure your desired property.

Types of Commercial Properties We Finance
Office Spaces
Perfect for expanding businesses or professional services.
Retail Properties
Ideal for stores, restaurants, and other retail operations.
Industrial Units
Warehouses, manufacturing facilities, and storage spaces.
Mixed-Use Properties
Combine residential and commercial spaces for versatile investments.
Multi-Family Residential Buildings
Generate rental income with apartment complexes.
Eligibility Requirements
While eligibility criteria may vary by lender, general requirements include:
Down Payment
Typically 20-35% of the property’s purchase price.
Good Credit History
Strong credit profile for better terms.
Stable Income
Demonstrated ability to manage monthly payments.
Business Financials
Proof of income, expenses, and business stability.
Our Partners



















Why Choose Esi.Mortgage?
With extensive experience in commercial property financing, Esi.Mortgage is your trusted partner in Toronto, Richmond Hill, and the GTA. Our personalized approach ensures that you secure the best financing options to meet your investment or business goals.
Contact Us Today
With extensive experience in commercial property financing, Esi.Mortgage is your trusted partner in Toronto, Richmond Hill, and the GTA. Our personalized approach ensures that you secure the best financing options to meet your investment or business goals.
Case Study
Financing the Purchase of a Commercial Property in Ontario The Goal
The Goal
A business owner in Toronto wanted to purchase a 5,000 sq. ft. retail property for $2,500,000 to expand their operations. They had $750,000 (30%) saved for the down payment but needed financing for the remaining $1,750,000.
The Challenges
Strict Lending Criteria → Banks required strong financials and a solid debt service ratio
Business Cash Flow Concerns → Needed to prove stable revenue to qualify
Credit Score Requirements → One applicant had a credit score of 720, while the co-applicant’s score was 680


The Solution
Arranged a commercial mortgage at 6.75% (5-year fixed) with a 25-year amortization
Used the company’s projected rental income ($180K/year) to strengthen debt qualification
Structured financing with a tiered lender approach, utilizing both a bank and a private lender for optimal terms
The Outcome
Final Mortgage:
$1,750,000 @ 6.75% (5-year fixed)
Monthly Mortgage Payment:
~$11,900
Debt Service Ratios Approved:
GDS/TDS at 35% / 42%
Approved in 3 weeks
Why Work with Esi.Mortgage?
- Access to both bank and private commercial lenders
- Flexible financing solutions for business owners
- Expert strategies to leverage rental income for qualification
125+ Five-Star Reviews (4.9 Rating)
Trusted by GTA Homeowners!
Daniel HosseinzadehTrustindex verifies that the original source of the review is Google. I can’t say enough good things about my experience with Esi as my mortgage broker. From day one, Esi was genuinely invested in finding the best solution for me, not just pushing me into a typical deal. He took the time to understand my situation and explained all the options in a way that made sense. His communication was always clear and timely—he was never too busy to answer my questions, no matter how small. What really stood out was his ability to simplify the whole process and make it feel less stressful. Esi is the kind of professional who truly goes above and beyond, and I wouldn’t hesitate to recommend him to anyone looking for a broker who cares and knows his stuff! Aidin ArbabiTrustindex verifies that the original source of the review is Google. Very satisfied with the service. Everything went well as promised without any stress. 100% recommended! Hadi KomeylianTrustindex verifies that the original source of the review is Google. Essie is incredibly reliable and hardworking. He’s straightforward, efficient, and takes the stress out of the process. His diligence and ability to handle complex situations with ease are unmatched. I wouldn’t think twice about working with him again or recommending him to others. Soheil TalebiTrustindex verifies that the original source of the review is Google. I recently collaborated with Esi on several deals and was thoroughly impressed with the results. He is knowledgeable, professional, and trustworthy in his work. You can rely on him for any mortgage-related needs, as his honesty is unwavering. Highly recommended! helia shamsTrustindex verifies that the original source of the review is Google. Exceptional Mortgage Broker. Esi made the entire mortgage process smooth and stress-free. They were professional, knowledgeable, and always available to answer my questions. Their expertise helped me secure a great deal tailored to my needs. I highly recommend Esi to anyone looking for a trustworthy and efficient mortgage broker. Syuzanna HarutyunyanTrustindex verifies that the original source of the review is Google. It was a pleasure working with Essi! Very knowledgeable mortgage broker who helped me prepare for my upcoming closings. Highly recommend! Behzad SharifiTrustindex verifies that the original source of the review is Google. I recently had the pleasure of working with Esi to secure a second mortgage, and I couldn’t be more satisfied with experience. From start to finish, Esi demonstrated exceptional professionalism, expertise, and dedication, thanks a lot NuBNB CanadaTrustindex verifies that the original source of the review is Google. Amazing mortgage broker! Really knows what to do. Highly recommended! aliTrustindex verifies that the original source of the review is Google. Professional, positive and reliable, My experience was excellent
Frequently Asked Questions
What types of commercial properties can I finance?
We provide financing for office spaces, retail stores, industrial units, mixed-use buildings, and multi-family residential properties.
How much down payment is required for commercial property financing?
Most lenders require a down payment of 20-35% of the property’s purchase price.
Can I use rental income to qualify for a commercial mortgage?
Yes, rental income from the property can be factored into your mortgage application.
Are interest rates higher for commercial mortgages than residential ones?
Commercial mortgage rates are typically higher due to the increased risk, but we help you secure the most competitive rates.
What documents are needed to apply for a commercial mortgage?
Commonly required documents include financial statements, tax returns, business plans, and property appraisals.