Many brokerages are set up for residential A lender files only. For commercial and private deals look for a brokerage with experienced commercial brokers, private lender relationships and a desk that helps structure the file.
Commercial files are underwritten on the property's income and the borrower's experience, take months rather than weeks, and use different lenders: commercial desks at banks and credit unions, insurers, CMHC multifamily programs, MICs and private lenders. Private residential deals depend on a credible exit and careful disclosure.
In Ontario only a Level 2 mortgage agent or a broker can arrange private mortgages. In every province, private deals carry extra disclosure, and Ontario requires suitability assessments for both borrower and investor.
When you compare brokerages, ask for examples of commercial and private files they placed recently, who would work the deal with you, and how commission is shared when someone experienced helps.
Commercial is a core pillar at A.I.M.I. Collective, not a side service. Brokers bring commercial, construction and private files to the Deal Desk for structuring and lender placement, and private lending matchmaking events connect brokers with lenders.
How brokers build a commercial practice, and the support that makes it work.
Specialise in commercial mortgagesThere is no separate commercial licence. How residential mortgage agents move into commercial files: the skills, the lenders, how pay works and support.
Why commercial files are the fastest lever for a residential broker at $10 to $30 million, where the files already sit in your book, and how to start.
A practical path for residential brokers into commercial mortgages: which deals to start with, what lenders need and how an underwriting desk helps.
Bring your questions to a discovery call and a broker owner will answer them directly.