Lenders Say They Are “Open For Business” In 2026 – So Why Are So Many Ontario Deals Still Getting Declined?

CBRE’s 2026 Canadian Real Estate Lenders’ Report shows debt markets are becoming more active again as lenders look to deploy additional capital, after many hit or exceeded their lending targets in 2025. At the same time, the Bank of Canada is signalling a hold‑for‑longer stance at a 2.25% policy rate, which means money is available but lenders can stay selective about which Ontario commercial deals they fund. That mix—more capital, but tighter underwriting boxes and conservative stress‑tests—creates huge frustration for business owners and investors who keep hearing “we’re lending” while still getting a “no” on their refinance or purchase. My role is to decode each lender’s constraints, package your story properly, and match you with the right capital so you stop wasting time on blind applications that quietly die in credit.

Source: https://renx.ca/real-estate-lenders-will-be-more-active-in-2026

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