Orbis Mortgage Group
Customized commercial mortgage solutions for investors, developers, business owners, and entrepreneurs across Ontario. We work with banks, credit unions, private lenders, CMHC programs, and alternative lending institutions to structure the right financing for your goals.
$500M+
Commercial Volume Funded
across Ontario
50+
Lending Partners
banks, credit unions & private
15+
Years of Experience
in commercial real estate finance
95%
Client Approval Rate
on submitted commercial deals
Whether you are purchasing, refinancing, constructing, or expanding — we have a solution for your project.
Designed for the purchase or refinance of income-producing commercial properties such as office buildings, retail plazas, industrial buildings, and mixed-use properties.
Ideal for multi-unit residential properties such as apartment buildings, student housing, retirement residences, and affordable housing developments.
Financing solutions specifically structured for multi-family residential buildings, including low-rise, mid-rise, and high-rise rental properties.
Financing for buildings that combine residential and commercial components, such as storefront retail with residential apartments above.
Short-term financing used to fund ground-up construction projects, major renovations, or redevelopment opportunities. Funds advanced in stages as construction progresses.
Financing solutions for serviced land, vacant land, infill projects, and future development opportunities across Ontario.
Short-term financing used to bridge timing gaps between transactions, property sales, refinancing, or construction completion. Ideal for quick closings.
Flexible financing solutions through private lenders for borrowers requiring fast approvals, unique deal structures, or alternative qualification options.
Secondary financing that sits behind a first mortgage and helps borrowers access additional capital for acquisitions, developments, or expansions.
Additional financing secured behind an existing first mortgage to access equity for renovations, working capital, debt consolidation, or investment opportunities.
Refinance existing commercial properties to lower payments, access equity, improve cash flow, or consolidate debt.
Renew existing commercial mortgages with competitive rates and improved terms before maturity.
Financing for warehouses, manufacturing facilities, distribution centers, logistics hubs, and industrial condominiums.
Financing solutions for professional office buildings, medical buildings, and corporate office spaces across Ontario.
Commercial financing for retail plazas, shopping centres, storefronts, and mixed retail developments.
Mortgage solutions for hotels, motels, hospitality properties, and tourism-based commercial real estate.
Specialized commercial financing for self-storage and mini-storage facilities across Ontario.
Financing for business owners purchasing commercial real estate for their own operations.
Access equity from commercial real estate to support expansion, renovations, or business operations.
Commercial mortgages are available for a wide range of property types across Ontario.
Commercial financing structures may include the following options.
Commercial mortgage qualifications are generally based on property cash flow, debt service coverage ratios (DSCR), borrower experience, net worth, and down payment/equity available.
Client Testimonials
Real results from real clients across Ontario's commercial real estate market.
"James secured financing for our retail plaza when two banks had already turned us down. He found a lender that understood our property's income potential and closed the deal in under 30 days. Exceptional service from start to finish."
Michael T.
Retail Plaza Owner
Vaughan, ON
"I've financed three apartment buildings through James over the past four years. He consistently finds rates and terms I couldn't get on my own, and he makes the process completely stress-free. I wouldn't use anyone else."
Priya S.
Multi-Family Investor
Brampton, ON
"Our mixed-use building was a complex deal — retail on the ground floor, residential above. James knew exactly which lenders to approach and structured the financing perfectly. We saved significantly on our rate compared to what our bank offered."
David & Karen L.
Mixed-Use Property Owners
Toronto, ON
"James arranged construction financing for our industrial facility and then seamlessly transitioned it to a permanent mortgage on completion. His knowledge of commercial lending is second to none in Ontario."
Robert M.
Industrial Property Developer
Mississauga, ON
"I was skeptical that a broker could do better than my bank for a self-storage acquisition. James proved me wrong — he came back with a rate 0.45% lower and a longer amortization that dramatically improved our cash flow."
Sandra K.
Self-Storage Facility Owner
Barrie, ON
"Hospitality financing is notoriously difficult. James has the lender relationships and the expertise to get deals done that most brokers can't touch. He's been an invaluable partner in growing our portfolio."
Tony F.
Hotel & Hospitality Investor
Niagara Falls, ON
Case Studies
A look at how James has structured complex commercial financing solutions for Ontario investors and developers.
Brampton, ON
The Challenge
Investor needed to acquire a 24-unit apartment building but required a high loan-to-value ratio to preserve capital for renovations. Traditional bank financing capped at 65% LTV.
The Solution
James structured CMHC-insured financing at 85% LTV with a 40-year amortization, dramatically reducing monthly payments and freeing up capital for suite upgrades.
Closed in 45 days. Monthly cash flow improved by $4,200 vs. conventional financing.
Vaughan, ON
The Challenge
Owner of a 6-unit retail plaza wanted to access equity to fund the purchase of a second property but their existing lender would only offer a rate renewal — no equity release.
The Solution
James refinanced the plaza with a new institutional lender, unlocking $680,000 in equity at a competitive rate while maintaining a manageable debt service coverage ratio.
$680K equity released. Rate reduced by 0.30%. Second property acquisition funded.
Mississauga, ON
The Challenge
Developer needed construction financing for a 28,000 sq ft industrial facility. Multiple lenders declined due to the borrower's limited construction track record.
The Solution
James leveraged his private and alternative lender network to secure a construction facility with progress draws aligned to build milestones, then arranged a permanent take-out mortgage upon completion.
Full construction funded. Permanent financing locked in at project completion.
Client Outcomes
Our clients don't just get a mortgage — they get a better deal, faster, with less friction.
Rate Savings
0.25% – 0.75%
Average rate improvement vs. clients' initial bank quote on commercial deals
On a $2M mortgage, 0.50% = ~$10,000/yr in interest savings
Faster Closings
30–45 Days
Typical time-to-close on conventional commercial mortgages
Expedited timelines available for bridge and private financing
Deal Range
$500K – $25M+
Range of commercial deals structured across Ontario
From small mixed-use properties to large multi-family portfolios
Repeat Clients
70%+
Of commercial clients return for their next deal or refer a colleague
A track record built on results, not just promises
CMHC Expertise
40%+ LTV Savings
CMHC-insured multi-family deals can reduce equity requirements significantly
Enabling investors to deploy capital into additional properties
Lender Access
50+ Lenders
Institutional banks, credit unions, MICs, and private lenders all at the table
More options means better terms for your specific deal
Results vary based on deal structure, property type, borrower profile, and market conditions. Past performance is not a guarantee of future results. All mortgage approvals are subject to lender qualification criteria.
Whether you are acquiring your first commercial property or expanding a large real estate portfolio, James can help structure the right financing solution for your project.