What is the minimum down payment for an investment property?

Investment properties require a minimum 20% down payment in Canada. There is no mortgage insurance available for investment properties, so 20% is the absolute minimum.

Can I use rental income to qualify?

Yes, most lenders allow you to use 50-80% of the expected rental income to help you qualify. We'll structure your application to maximize your qualifying power.

Are interest rates higher for investment properties?

Typically, investment property rates are 0.10-0.25% higher than owner-occupied rates. However, we shop across multiple lenders to find the most competitive rate for your situation.

Can I finance a multi-unit property?

Yes, financing is available for duplexes, triplexes, and fourplexes with residential mortgage products. For buildings with 5+ units, commercial financing applies. We have lender partners for both residential and commercial investment properties.

Mortgage Service

Investment Property Mortgages

Build wealth through real estate investment

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Overview

Investment Property Mortgage Options in Ontario

Real estate investment is one of the most proven wealth-building strategies. Whether you're purchasing your first rental property or adding to your portfolio, I help you secure competitive financing that maximizes your return on investment. I understand the unique requirements for investment property mortgages and work with lenders who specialize in investor lending.

Have questions? Call us directly647-222-7071

Benefits

Benefits of Working With an Investment Property Specialist

Financing for rental properties and multi-unit buildings
Competitive rates for investment properties
Use rental income to help qualify
Portfolio mortgage strategies
Access to commercial and residential investment programs
Cash flow analysis and ROI calculations

Real estate remains one of the most reliable wealth-building strategies in Ontario, and financing an investment property requires specialized knowledge. Investment property mortgages have different requirements than owner-occupied purchases - including higher down payments (minimum 20%), potentially higher interest rates, and stricter income qualification standards.

When qualifying for an investment property mortgage, lenders consider your existing debts, the property's potential rental income (typically 50-80% of projected rent), and your overall financial profile. We help you structure your application to maximize approval odds, including leveraging rental income from existing properties and optimizing your debt service ratios.

Whether you are purchasing your first rental property, adding to an existing portfolio, or exploring multi-unit residential buildings, we have lender relationships across 40+ financial institutions that offer competitive investment property rates. We serve real estate investors across Brampton, Toronto, Mississauga, Hamilton, and all Ontario markets.

How It Works

How to Finance an Investment Property in Ontario

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Investment Analysis

We review the property's potential rental income, expenses, and your overall investment strategy.

Qualification

We determine your borrowing capacity, factoring in rental income and your existing properties.

Rate Shopping

We secure the most competitive investment property rate from our lender network.

Closing

We coordinate the closing process, ensuring your investment is properly structured.

Areas We Serve

Investment Property Financing Across the GTA

We provide investment property mortgages services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby