Commercial Mortgage Broker on Vancouver Island
Financing for Investment Properties, Mixed-Use, and Business Real Estate.
Commercial mortgage financing operates by a different set of rules than residential lending. Lenders assess the income the property generates, the strength of any tenants, the borrower's experience, and the specific asset class differently than they would a home purchase. Getting this kind of financing right requires a broker who works in this space regularly, not occasionally.
I am Kevin Blue, based in Parksville, with 25 years of experience focused on private lending, construction, and commercial financing. I arrange commercial mortgages for investment properties, mixed-use buildings, and business real estate across Vancouver Island and BC.
Commercial Property Types I Finance
Multi-family residential investment buildings, mixed-use properties with both commercial and residential components, retail and office buildings, industrial and warehouse properties, and owner-occupied business premises are all within scope. Each property type is assessed differently by lenders and the right financing structure depends heavily on the specific asset.
When Conventional Commercial Lending Does Not Work
Not every commercial deal fits neatly within bank underwriting criteria. Properties with vacancy issues, borrowers without an established commercial track record, time-sensitive acquisitions, and transitional or repositioning projects often require a more flexible lender than a major bank will offer. I have access to alternative institutional lenders and private capital sources for exactly these situations.
Why Commercial Files Need Specialized Attention
A commercial mortgage application requires a different documentation package than residential — rent rolls, lease agreements, net operating income calculations, and often a business plan for owner-occupied purchases. Presenting this correctly to the right lender is the difference between an efficient approval and a frustrating decline.
Can you help if my bank declined my commercial mortgage application?
Often yes. A decline from one lender does not mean the deal cannot be financed. Alternative institutional lenders and private capital sources have different risk appetites and may approve a deal that a conservative bank declined. Tell me the specifics and I will give you an honest assessment.
What documentation do I need for a commercial mortgage application?
Typically this includes rent rolls and lease agreements for income-producing properties, financial statements, your business plan if the purchase is owner-occupied, and a clear picture of your overall financial position. I will tell you exactly what is needed for your specific deal.
Do you finance mixed-use properties on Vancouver Island?
Yes. Mixed-use properties combining commercial and residential components are a property type I work with regularly, and matching the right lender to this specific structure is part of what I do.
