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Home Page > Finance > Real Estate > Commercial Real Estate Financing in Canada
Commercial Real Estate Financing in Canada
Posted: Aug 21, 2010 |Comments: 0
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This article will discuss the topic of financing commercial investments in Ottawa. Please be aware that financing regulations change and this information is current as of today and subject to change based on new mortgage lending laws of the future. We have many clients who come to us interested in their dream commercial property. This can be a large multi-unit in Ottawa’s downtown or an office plaza for their thriving business. Whatever the situation, financing is a critical element of the equation to making the transaction happen. Many believe that the commercial lending system is similar to the residential system – relatively straightforward with little or no money down if required as an option. The truth is that when you enter the Ottawa commercial real estate realm you enter a world of tighter requirements for approval. No longer is your income relevant but rather it is all about the property, your credit score, and your experience. Many investors ask us, “At what point does a property get classified as commercial?” and the answer is that anything over 4 units is classified as commercial even if you are living in it. This means that you cannot finance any property over 4 units as if you were buying a residential property. Which also means a standard 5-20 % down payment does not apply. A typical commercial down payment can range from 20-30% down depending on your financial strength. This can be a major obstacle for investors looking to tap into the Ottawa commercial real estate market. The property also dictates the market that one can purchase for, meaning that banks send sophisticated analysts to appraise the property and use that number to factor in the financing.
The Property:
Whether you make very little personally or a six figure salary – when it comes to commercial financing this is irrelevant. Commercial real estate tends to be more expensive. Banks cannot rely on the personal income of the prospective lender as few people earn enough to cover the loan on a multi-million dollar investment. Thus banks use more in depth methods to qualify the investor and gauge their risk. The first consideration is always the individual. Secondly, the bank will take the property and analyze its condition, cash flow, cap rate, and run the numbers before it even considers financing for it. One must always be aware that the property is the main focus in commercial real estate and the numbers have to match in order for banks to approve. The operational efficiency of your unit and it’s earning potential are important elements if you’re an investor who plans on refinancing your existing property portfolio for the acquisition of further real estate. We touch on this at the pre-purchase phase when considering buying a property Literally keeping your house in order is always wise, especially, if you’re considering growing your portfolio and looking at larger commercial real estate.
Your Credit Score:
This goes without saying – if you have bad credit history then the banks will simply not lend to you. We use a general rule of thumb that you must have a minimum of 640 as your FICO score in order to qualify. Anything under this number will prove difficult when attempting to borrow. Your credit score will also dictate what interest rate you get. Higher scores receive better interest rates and borrowers have options if you’re considered credit worthy. Lower credit scores receive less competitive rates, and in some cases, higher interest rates than standard.
Your Experience:
Banks are in the business of lending to qualified investors; this means if a person comes forth with a large sum of cash and wants to buy a 55 unit building, they do not just give the money away. If the candidate does not have the previous experience in the commercial real estate sphere then banks will be reluctant to loan the money. Experience counts. It’s comparable to the loan on a start up business. The lender is seeking as much of an assurance of successful repayment of the loan with interest as possible. The belief is that if a new person with no experience purchases the large commercial real estate then there is a higher chance that they will fail when compared to an investor with many commercial units and lots of experience. We advise our new investors to consider larger properties at the beginning of their investment careers in an effort to enhance experience and portfolio value.
All these three factors come together to create the commercial mortgage and we work
very carefully to provide investors a big picture perspective prior to engagement so that our clients know
what they are getting into. Unlike many commercial real estate brokerages, we provide full service that
includes financing. This means the real estate agent knows at what phase the mortgage process is in and
therefore can act accordingly without the back and forth of an external mortgage agent. Furthermore
because we are a licensed mortgage firm we can get you the best rate, make it easy, and we work hard
to ensure you are approved. The commercial real estate mortgage process can take months; therefore
one small mistake can kill the deal. This is why it is critical to have an in-house team working together seamlessly through all of the stages of the property purchase process to
ensure that nothing falls through and that you get that dream commercial property you’ve always considered.
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Phillip Mosely is the Communications Manager and one of the associate brokers with Synercapital Real Estate Services, Inc. Synercapital specializes in investment and income property sales in the Ottawa, Ontario, Canada region. Synercapital also specializes in residential home sales and commercial leasing, Visit us at http://www.synercapital.ca
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Phillip Mosely is the Communications Manager and one of the associate brokers with Synercapital Real Estate Services, Inc. Synercapital specializes in investment and income property sales in the Ottawa, Ontario, Canada region. Synercapital also specializes in residential home sales and commercial leasing, Visit us at http://www.synercapital.ca
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Commercial Refinance Mortgage Commercial Loans: What You Should Know
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Home Page > Finance > Commercial Refinance Mortgage Commercial Loans: What You Should Know
Commercial Refinance Mortgage Commercial Loans: What You Should Know
Posted: Sep 23, 2010 |Comments: 0
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A loan is a kind of lending product that an individual requires from a fiscal organization in order to fulfill his / her economic needs. In return, the user is liable to pay interest along with the total amount that he / she obtained in the form of loan. There are various kinds of loans offered to people depending upon their needs. Commercial loans are one kind of these financial products.
A commercial loan, just like the name suggests, is given to a person to fulfill his / her commercial requirements. The commercial requirements may be to fulfill an order, send a consignment, purchasing raw material or new machinery and the like.
Therefore, the main reason for getting a business loan is very different from other financial products in the way that it is intended to generate income. The funds received through commercial loan can be used for manufacturing or producing or for any other business needs. The amount offered in this kind of loan is usually larger than any personal loan.
Features of Commercial Loans
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Just like it has been mentioned earlier, people take commercial loans to produce income Big business houses take commercial loans from banks to fulfill their production needs, or to complete a tender or for some other requirement of the company. The most common purposes of commercial loans include:
· Commercial loans are not considered for the purpose of domestic consumption.
· Banks offer commercial loans only to the business class men and women.
· Banks provide these loans for professional purposes at an interest rate that is lower in comparison to other types of loans.
· The time given to the borrower to repay the loan is usually lesser than other loans.
· The amount of money offered in commercial mortgages is always higher in comparison to other private loans.
Therefore, it can be said that commercial loans are the cheapest kind of lending product in the financial market as compared to any other borrowing product.
Requirements for Getting Commercial lending products
There are some specific requirements for getting a commercial loan approved from a financial institution. These are:
You have to clearly define your investment plans to the financial institution for which you are requesting the loan. You will have to get your material, goods or machinery insured by a reputed insurance company in order to ensure the repayment of loans amount to the lender in the event of an accident, fire or any other mishap. You will also have to present the details of the company you are dealing with, and the way in which you will use the loan amount, as well as any other information that the lending company might require.
Maintaining the accounts of the company is also essential, particular before and after having the loan sanctioned to you. Doing all the above mentioned steps is essential to have a commercial loan sanctioned.
To wrap up, draw the benefits of commercial loans in meeting your business needs and paying back in easy installments.
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To uncover additional advice or to book a free consultation please click this link: <br /><a rel=”nofollow” onclick=”javascript:_gaq.push([‘_trackPageview’, ‘/outgoing/article_exit_link/3326581′]);” href=”http://www.commercial-refinance.org/commercial-loan-workout.htm”>Commercial Loan Workout Specialist </a>
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Since I am not and have never been late on a payment, my mortgage holders will not discuss modifying my loans. My income will continue to decrease. How can I be procative about getting some releif?
Our loan was modified and it was only about $160 less than our mortgage and the term is extended to 40 yrs we took it anyways as we were desperate that time, but can we still apply for refinance this
I’m in the process of a foreclosure, and I have a 1st & 2nd loan with the same bank. I know the 1st loan qualifies for the mortgage forgiveness act? What about the 2nd loan? I live in California
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Joe Picello P 02 9446 8200 M 0430 539 246 E jpicello@mortgageport.com.au Joe joined the Mortgageport team in June 2010. With over 17 years’ experience working in the finance industry, he is a highly experienced Mortgage Consultant. Joe previously worked with the National Australia Bank for over 15 years specialising in home lending, private banking, business and commercial lending. In June 2008 he joined the finance broking industry, working as a mortgage broker for 2 years. Joe specialises in providing exceptional customer service and working to provide the best lending solution for his clients. As a member of MFAA, he’s accredited with a vast number of lenders.
www.400bankers.com COMMERCIAL LOAN 100% LTV Use short term 100% LTV loans to flip properties. Commercial lenders, commercial loans, commercial financing, commercial lending, commercial real estate, commercial mortgage loan
New Commercial Finance Lending Sources for Business Financing
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Home Page > Finance > New Commercial Finance Lending Sources for Business Financing
New Commercial Finance Lending Sources for Business Financing
Posted: Jul 28, 2009 | Views: 104 |
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Although banks and other business lenders have made a pointed effort to portray themselves as lending normally, very few business owners are likely to suggest that there is anything normal about obtaining financing from current commercial finance programs. It has become a routine occurrence for small business owners to be told by their current commercial lender that it will be necessary to seek another source for commercial loans and working capital.
I published several earlier articles which addressed some of the problems that commercial borrowers are experiencing when they attempt to obtain working capital financing and commercial loans. It has become clear that current commercial lending conditions have become even more difficult for most business owners. For example, one of these commercial finance reports described the unfortunate possibility of firing your banker as one of several guerrilla financing techniques that might be required for a small business to survive in the face of extreme business banking conditions.
It would not be realistic to suggest that there are one or two obvious business lending sources that will solve the working capital needs for all businesses in need of help. Nevertheless I would not advocate the guerrilla financing tactic of firing your bank and your banker if there were not suitable alternative sources for small business financing.
Identifying the most likely alternatives can be accomplished in several ways but one of the most effective approaches will include detailed discussions with commercial loans experts that are experienced in nationwide business financing similar to what the business owner currently needs. Realistically the search for new commercial lending sources must start with an admission from a small business owner that they do in fact need to find a new source for business loans.
The best commercial finance solutions will depend on the business location, type of financing, kind of business, operating history and size of loan desired. A key point for business owners to remember is that there really are a number of viable and effective commercial lenders that are currently active in making commercial loans to businesses that are in desperate need of commercial financing. Some of the most realistic sources for small business loans are operating regionally rather than nationally.
In addition to the advice contained in this article, small business owners should review commercial finance resources such as The Working Capital Management Guide, a free online publication which focuses on short term capital financing strategies. Commercial borrowers should also have a candid discussion with a commercial loan expert who is capable of providing appropriate help for their unique business financing needs.
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Stephen Bush and AEX Commercial Financing Group provide small business financing for working capital loans, business cash advances and commercial real estate financing throughout the United States.
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What are the key sources of finance for business for business start-up?suggest an idea that could turn into a business proposition. how could it be possible to finance the new business?
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Stephen Bush and AEX Commercial Financing Group provide small business financing for working capital loans, business cash advances and commercial real estate financing throughout the United States.
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Home Page > Finance > Loans > Commercial Real Estate Loan â Have Smooth Access to Property
Commercial Real Estate Loan â Have Smooth Access to Property
Posted: Jul 30, 2007 |Comments: 0
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Are you in search of a suitable loan offer for buying a commercial property for advancing your business interests? Well, you can locate Commercial Real Estate Loan that is especially meant for enabling in purchasing property for commercial purposes. Commercial real estate loan play a crucial role in providing finance for any companyâs growth and expansion.
You can avail commercial real estate loans for any type of commercial property such as shopping centers, apartments, motels, hotels, automobile dealerships, office buildings or health care facilities, manufacturing facilities and so on. And even if you are not using the loan money for buying property, you are free to use it for refinancing existing debt.
Commercial real estate loan are categorized under short term and long term loans. Short term commercial real estate loan is avail mostly for running the business smoothly without facing any financial shortage. Such a loan is usually called as a bridging loan also. Long term commercial real estate loan are availed for larger repaying duration and typically last till the life of commercial real estate property.
For accessing commercial real estate loan you are required to pledge any commercial property as collateral. The loan amount depends on the value of the property. You can thus borrow any greater amount ranging up to millions of dollars for buying a commercial property. As far as the interest rate is concerned you can avail the loan at fixed rate for long term. You can repay the loan in 30 years.
Search internet well and you can locate lenders providing commercial real estate loans. But compare them for interest rates and terms-conditions before settling for one suitable lender. Go through the lenderâs conditions regarding the loan carefully.
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Tim Kelly –
About the Author:
Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Commercialrealestate as a financial advisor. To find commercial real estate loan, commercial real estate loans, commercial real estate loan rate, commercial real estate loan major, commercial small real estate loan visit http://www.commercialrealestateloan.co.uk/
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Article Tags:
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Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. She is currently working with Commercialrealestate as a financial advisor. To find commercial real estate loan, commercial real estate loans, commercial real estate loan rate, commercial real estate loan major, commercial small real estate loan visit http://www.commercialrealestateloan.co.uk/
www.PropertiesInPuertoRico.com San Juan / Rio Piedras- This is a commercial property located in a retail and high density residential area. The building is located off state road #3 and in a moderate traffic area. The property is a great opportunity for warehouse use, corporate office or wholesale business. It can be used as storage facility or business opportunity. The property is secured fenced and ready to move in. Two large bay doors one on the first floor and another on the second. Has a conference room on the first floor and a large conference room on the second floor. This building is currently being used as a combination office and storage operation. There is a total of 5018 square feet construction on a lot size of 794.34 square meters. Zoned R-3 which could be used as a commercial or high density residential property. Convert back to multi-family or small rental complex. Enough space for 10 vehicles or 8 trucks. For more details and information please contact listing broker Katherine Figueroa at 787-289-7808. See more commercial properties in Puerto Rico @ PropertiesInPuertoRico.com