Trusted Commercial Mortgage Brokerage in Ontario
As a leading Commercial Mortgage Brokerage in Ontario, Mortgage Capital Investment (MCI) operates as a fully licensed brokerage firm in Ontario, delivering commercial financing solutions tailored to businesses, developers, and investors. Through our extensive lender network, experienced advisor team, and responsive service model, we handle complex commercial real estate deals across the province with confidence and integrity.
Why Choose MCI as Your Commercial Mortgage Brokerage in Ontario
Licensed Brokerage Firm: MCI is regulated and licensed under Ontario’s mortgage legislation (Mortgage Brokerages, Lenders and Administrators Act).
FSRA licenses all mortgage brokers, agents, and brokerages in Ontario. FSRATeam-Based Approach: Our commercial division comprises experienced brokers, underwriters, analysts, and support staff working collaboratively to find the best deal.
Robust Lender Network: Because we partner with many institutional lenders, trust companies, credit unions, and alternative commercial lenders, we can access competitive rates and flexible structures unavailable to solo brokers.
Customized Commercial Solutions: From multi-unit residential, retail, industrial, office, mixed-use, to development financing — we tailor the structure to your cash flow, risk tolerance, term needs, and exit strategy.
Local Knowledge Across Ontario: Our presence across major Ontario markets ensures we understand local market cycles, regulatory demands, and property dynamics.
Commercial Mortgage Brokerage vs. Individual Broker Role
At MCI, we operate both as a commercial mortgage brokerage (the firm entity) and support individual commercial mortgage brokers within the team. This dual capability means:
The brokerage can underwrite and negotiate bulk or syndicate deals.
The brokers (our agents) can provide one-on-one client service, walk you through underwriting, and advocate on your behalf.
This structure helps us serve both firm-level clients (developers, institutional investors) and individual business owners or landlords.
Regulatory & Market Awareness
Given growing regulatory scrutiny in the commercial lending space, choosing a licensed commercial mortgage brokerage is essential.
In recent times, the Ontario regulator has acted against firms operating without proper licensing, highlighting the risks of unlicensed lending. Mortgage Professional
Also, systemic industry changes, such as evolving underwriting rules from FSRA and new compliance standards, make it vital to work with a brokerage that stays current.
For instance, FSRA publishes annual supervision plans and enforcement reports to protect consumers and regulate mortgage industry conduct. FSRA
At MCI, compliance, transparency, and ethical practice are foundational.
How We Work With You
Free Initial Assessment: We review your property, business plan, and financials at no cost.
Structuring & Proposal: We present multiple commercial mortgage options based on your goals (term, amortization, rate structure).
Negotiation & Approval: We negotiate with lenders and shepherd your application through underwriting.
Closing & Follow-Up: We manage closing logistics and continue support through refinancing or exit strategies.
Let MCI handle the heavy lifting — you focus on your business or investment growth.
Address / Contact & Call to Action
Mortgage Capital Investment
455 Kerr Street Oakville ON L6K 3C2
Phone: (905)-338-7100
Website: mortgagecapitalinvestment.com
Ready to explore commercial financing?
Contact MCI today to discuss your project and receive a customized proposal.
FAQs
Q: What types of commercial properties do you finance?
A: We finance industrial, office, retail, mixed-use, multi-residential, development, land acquisition and more.
Q: Can a commercial borrower work with an individual broker instead of the brokerage?
A: Yes — at MCI, your account is supported by an individual commercial mortgage broker (agent), backed by the full resources of the brokerage.
Q: Is it mandatory for a commercial mortgage brokerage to be licensed in Ontario?
A: Yes — under the Mortgage Brokerages, Lenders and Administrators Act, all firms and individuals engaging in mortgage brokering must be licensed. Wikipedia+1
Q: How do you negotiate better rates than a bank?
A: Because we have relationships with multiple lenders, we can shop multiple proposals — banks may only offer their own products, whereas we present choices.
Lowest Residential Mortgage Rates in Canada*
| Term | OUR RATE | |
| 3 Year Fixed/ 25 yrs Insurable | 4.11%Promo | |
| 5 Year Fixed/ 25 yrs insurable | 4.50% Promo | |
| 5 Year Variable/ 25 yrs insurable | 3.65% Promo | |
| 5 Year Fixed/ 30 yrs un-insurable | from 4.19% Promo | |
| 5 Year Variable/30 yrs un-insurable | from 3.60% Promo | |
| 3 Year Fixed/30 yrs un-insurable | from 3.99% Promo | |
| **NEW RENTAL 5 Year Fixed /30yrs un-insurable | from 4.29% Promo |
Updated: Aug 28,2026
* Promotional rates are subject to change or withdrawal at any time without notice, at the sole discretion of the lender. An additional discount of up to 0.05% may be available through current promotional offers, subject to specific terms and conditions. Rates may vary by region and may not reflect those available in your area. For the most accurate and up-to-date information—including eligibility for promotional offers—please contact our MCI office directly.
LOWEST REGULAR RATES IN CANADA*
* Current promotion rates may provide an additional 0.10% discount. Rates may vary between geographic regions and the posted rates on this website may not be available in your area. Please contact our MCI office for more details and current promotions.
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