We do commercial loans for mixed-use property such as Apartment Buildings, Motels and Hotels, Shopping Centers, Gas Stations, Vacant Land and Individual Warehouses. Commercial Loan plans tend to be similar to residential mortgages. The main options are either fixed rate or variable rate repayment mortgages or Interest only mortgages. Unlike residential mortgages, however, the interest rates for commercial mortgages tend to be higher as business lending is perceived as more of a risk. The rates will vary depending on the circumstances of your business, but generally speaking, the higher the risk, the higher the Interest Rate.