Commerical mortgages
Instead of being secured against a residential property like a residential mortgage, a commercial mortgage is secured against a commercial property such as an office building, industrial space, or retail shopping complex. Qualifying for a commercial mortgage often means a higher down payment and proof of strong business history and commercial financing is often structured differently with a higher interest rate (due to the increased risk to the lender) and a lower loan-to-value ratio (meaning your mortgage amount is a lower percentage of the property value that a residential mortgage). But every commercial mortgagee is unique. KUBIK MORTGAGE GROUP is committed to leveraging our extensive network of conventional and private lenders to match you with the right lending partner and the mortgage solution to support your business goals.
Mixed Use
Sometimes the smartest real estate investments will serve multiple purposes. These could include work-live opportunities with hospitality or retail space on the first floor and loft living above, or commercial office and living space combined, even residential apartment rentals above short-term studio rentals. Whatever opportunity you want to pursue, when your real estate investment is mixed-use it is important to find the best mortgage solution to protect all aspects of your investment.
KUBIK MORTGAGE GROUP will work closely with you to understand your goals for mixed-use commercial, industrial, retail, hospitality, and residential purchases and connect you with our lending partners who can deliver a mortgage product with the most favorable terms.
Apartment Building
Are you considering investing in real estate with the purchase of a multi-family apartment building? Vacancy rates are low and rental rates are high in Calgary right now, making investing in apartment real estate a lucrative proposal. But to ensure that your real estate purchase is a smart financial strategy it is important to find the right mortgage product to protect your investment and maximize your profitability. KUBIK MORTGAGE GROUP can work with our trusted lending partners to structure a commercial mortgage solution that makes sense and helps you achieve your goals for wealthy building and security. We can match you with a mortgage product that ensures your investment is working for you!
Strip Mall
Although online retail is a dominating force these days, strip mall retailers are leveraging a rising sentiment to support small and local businesses as cornerstones of the community. Investment advisors advocate for commercial strip malls as viable investments, especially in densely populated urban and suburban communities.
If you are considering growing your portfolio or launching your financial strategy with an investment in commercial strip malls and retail spaces, make sure that you select a mortgage solution that protects your investment and optimizes your profitability potential. KUBIK MORTGAGE GROUP can connect you with our network of traditional and private lenders as you explore your options for commercial retail financing and guide you with sound advice to build your commercial equity and maximize your REIT.
Office Building
Build equity in your own company or diversify your investment portfolio by purchasing commercial office space in Calgary. Vacancy is high, meaning there are deals to be had, and the climate of commercial office use is evolving meaning there are many opportunities for savvy and creative commercial real estate owners to realize a profit. As you explore your options for commercial office building investment, partner with a knowledgeable and connected mortgage broker to ensure that you can secure a mortgage solution that makes sense.