Commercial mortgages
The full commercial lending market, structured to close.
Owner-occupied and investor-held commercial real estate financing for Ontario business owners. Direct access to Canada’s deepest commercial lending bench through DLCG’s network of banks, alternative lenders, and private capital.
Core services
What we finance
Owner-occupied commercial mortgages
Purchase or refinance the property you operate from. Build equity instead of paying rent. Secure your location long-term.
Acquisition financing
Funding for offices, retail, industrial, healthcare, and specialized properties across the GTA.
Renewal and refinancing
Lower your rate, improve terms, or unlock equity. Ideal for renewals coming due in today’s rate environment.
Capital restructuring
Consolidate debt, free up working capital, or fund expansion by leveraging commercial property equity.
Loan structures
Across the capital stack
The process
From consultation to close
1
Consultation
We discuss your business, property, and financing objectives.
2
Capital strategy & underwriting
Our specialized underwriters structure the deal and identify the optimal lender mix for your situation.
3
Application and approval
We handle paperwork, lender coordination, and negotiations.
4
Funding and close
Seamless closing with terms built around your cash flow.
Who we serve
Property types and clients
Established businesses ready to own their premises
Business owners facing lease expiry or renewal
Companies seeking to refinance and unlock equity
Entrepreneurs acquiring property for operations
Why Mortgage Architects GTA
Network strength and your advisor
Network strength
DLCG Mortgage Group (TSX: DLCG), Canada’s largest mortgage brokerage network
$84.5B funded in 2025, up 25% year-over-year
Canada’s deepest commercial lending bench across banks, alternative lenders, and private capital
Mortgage Architects is the premium brand within DLCG
Your advisor
Matthew Dobson, Mortgage Agent Level 2
25+ years institutional commercial credit experience
Senior roles at GE Capital and TD Bank
Serving business owners across the Greater Toronto Area
Common questions
What business owners ask
What qualifies as an owner-occupied commercial property?
A commercial property where your business operates from 50% or more of the total space. Includes offices, warehouses, retail locations, manufacturing facilities, and mixed-use buildings where you are both the owner and the primary occupant.
Why use a broker?
Banks offer only their own products. As your broker, we deliver specialized commercial underwriting, access to banks, alternative lenders, and private capital across the DLCG network, capital strategy backed by institutional credit experience, and one application that generates multiple competing offers.
What information do I need to apply?
Typically two years of business financial statements, a recent personal net worth statement, details on the property, and your financing objectives. We walk you through everything during the initial consultation.
Is there a cost to explore financing options?
The initial consultation and capital strategy assessment are complimentary. We focus on structuring your deal first; commercial terms are confirmed before commitment.
Ready to discuss commercial financing?
Contact us
Matthew Dobson
Mortgage Agent Level 2
Mortgage Architects · Licence #12728
Canada’s deepest commercial lending bench, across banks, alternative lenders, and private capital, through a single desk.
proudly part of
dlcg
Mortgage Group
Publicly traded
TSX: DLCG