Financing that treats your properties and projects like the serious assets they are.
Commercial & Investment Mortgages
Real estate can be one of the most powerful tools for building long-term wealth and growing a business—but only if the financing behind it is thoughtfully designed.
At Mortgage Art, Sepideh “Sepi” Sabet draws on more than 15 years in Canada’s banking and real estate financing world to help investors, business owners, and professionals secure smart, sustainable commercial and investment mortgages.
Having worked inside major Canadian banks and earned national recognition for client service, ethics, and results, she understands how lenders underwrite complex files—and how to position your application so it tells a clear, compelling financial story.
Bring your properties, projections, and questions. We’ll turn them into a focused financing plan.
Our Commercial & Investment Mortgage Services
Commercial & Investment Property Financing
Whether you’re acquiring an office, retail unit, light industrial, or a specialized property, the structure of your mortgage matters just as much as the rate.
How we help:
- Clarify your goals (cash flow, growth, tax planning, exit strategy)
- Review rent rolls, leases, and operating statements from a lender’s perspective
- Explore appropriate loan-to-value and amortization options
- Prepare a clean, well-documented file that addresses lender concerns upfront
This service is ideal for owner-operators and investors who want their financing to support both today’s operations and tomorrow’s opportunities.
Mixed-Use & Multi-Unit Properties
Mixed-use and multi-unit buildings can be excellent long-term assets—but they’re also underwritten differently than single-family homes.
What we focus on:
- Understanding the blend of residential and commercial income
- Highlighting building strengths: location, tenant mix, turnover history
- Structuring financing for duplexes, plexes, and mid-sized apartment buildings
- Planning ahead for renovations, repositioning, or future refinancing
We help you present your property as a stable, income-producing asset—not just a collection of doors or storefronts.
Small Business Mortgages
Owning your business premises can be a strategic move—locking in costs, building equity, and giving you more control over your space.
How we support business owners and professionals:
- Review financial statements, tax returns, and cash flow in a way lenders understand
- Help you decide whether to buy personally or through a corporation (with your accountant’s input)
- Align your mortgage structure with seasonality, growth plans, or planned expansions
- Navigate different lender requirements for professional practices, trades, and retail
This is especially valuable for professionals (doctors, dentists, lawyers, consultants), shop owners, and small manufacturers ready to move from renting to owning.
Rental Portfolios & Real Estate Investments
Once you move beyond one or two properties, financing becomes less about a single deal and more about the overall portfolio.
What we work on together:
- Reviewing your existing mortgages to spot risk, inefficiencies, or opportunities
- Planning acquisitions, refinances, and equity take-outs as part of a broader strategy
- Managing lender exposure limits and debt-service ratios across multiple properties
- Structuring financing so your portfolio can grow without over-stretching your cash flow
This service is designed for investors who want a coordinated approach to their holdings, not a patchwork of one-off mortgages.
How We Work With Commercial & Investment Clients
Discovery & Strategy Conversation
We start with your big picture: current holdings, business activities, risk tolerance, and what you’re trying to build over the next few years.
Financial & Property Review
We look at your income, credit, corporate structure, rent rolls, and operating statements through the lens of a lender’s credit team.
Financing Options & Structures
You receive clear, tailored pathways—different lender types, terms, and structures—along with the trade-offs for each.
Application Preparation & Submission
We help organize your documents, anticipate questions, and frame your file so it’s easy for decision-makers to understand.
Ongoing Guidance as You Scale
As you acquire, refinance, or divest, we stay available to adjust your financing strategy and keep it aligned with your evolving goals.
Why Investors, Owners & Entrepreneurs Choose Mortgage art
Deep, Cross-Sector Experience
Sepi has spent years working with residential, commercial, and investment clients inside major Canadian financial institutions, giving her a nuanced understanding of both policy and practice.
Nationally Recognized Performance
Her work at leading banks has been honoured with multiple national awards for integrity, client advocacy, and results—credibility that reinforces every recommendation.
Fluent in Numbers and Plain Language
With a strong foundation in financial education, Sepi can move easily between complex underwriting metrics and straightforward explanations, so you always know what’s happening and why.
Balanced, Risk-Aware Advice
We look at return, risk, and resilience together—helping you avoid structures that look good short term but create strain down the road.
Long-Term Partnership Mindset
Many clients start with a single purchase and grow into multi-property portfolios or commercial holdings. We aim to be a strategic partner as your plans evolve, not just a one-time broker.
Satisfied Clients
What Our Clients Say – Real Stories, Real Satisfaction
Frequently Asked Questions
How is a commercial or investment mortgage different from a regular home mortgage?
Lenders focus more on property income, expenses, and business strength, and terms often differ on rates, fees, and amortization.
Do I need a corporation to buy commercial or investment property?
Not always. It depends on your goals, tax planning, and risk tolerance—something to decide with your advisor and accountant.
How many rental properties can I finance?
It varies by lender and your overall profile; we look at your portfolio, income, and debt to see what’s realistic.
Can I qualify if my business or rental income is uneven?
Possibly. Lenders often look at multi-year trends and overall stability rather than just one month; structure and documentation matter.
When should I speak to you—before or after I find a property?
Ideally before, so you know your numbers, your options, and any conditions that could affect your offer or timeline.
Ready to Plan Your Next Move?
Whether you’re acquiring your first commercial space, expanding your rental portfolio, or repositioning an existing asset, you don’t need to navigate complex lending criteria alone.
Let’s align your financing with the way you want your business and investments to grow.