Buying a property is a great investment.

If you need a mortgage to buy an investment property, we can help!

Mortgage financing for real estate investment is quite a bit different than getting a mortgage for your primary residence.

We understand the intricacies of investment property financing and would love to walk you through all the details. So if you're considering an investment property to generate rental income, a second property to be occupied by a family member, or a vacation home, let's talk. Working with an independent mortgage professional will ensure you receive the unbiased professional advice you need.

We'll make sure you are qualified for the right amount before you begin your search, helping you shop in the right price range and beat out less prepared buyers who did not take the time to get pre-qualified. We're happy to work as part of your team of real estate professionals.

If you're an existing homeowner looking to move up the property ladder, you might consider keeping your existing property as a rental and moving into your next home. We can show you how to leverage the equity from one, to use in the next, and provide you with advice around building your portfolio. The best place to get started is to get in touch directly.

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Investment mortgages in 3 easy steps

STEP ONE

Get started right away.

The best place to start is to connect with us directly. Securing financing for an investment property isn't something you can do overnight. It requires developing and following a clear plan.

STEP TWO

Discover your options.

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let us cut through the noise, we'll outline the best mortgage products dealing with investment properties.

STEP THREE

We handle the details.

When it comes time to arranging your mortgage, trust that our team will make it happen. We'll make sure you know exactly where you stand at all time. No surprises. We've got you covered.

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Buy an investment property with confidence.

We have the experience, mortgage products, and access to lenders that you need to build a great real estate investment portfolio.

Make some calculations

If you'd like to run a few calculations before getting started, we'd love to help you. First tell us where you are in your journey to buying a home

I'm just getting started

Exciting times! Let's find out how much you'll be able to afford once you decide to buy.

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I have a property in mind

Great! Let's find out whether you'll be able to afford to buy it!

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I want to refinance my home.

No problem! Let's find out how much you could take out.

CALCULATE

Here are some articles that share great information as you consider mortgage financing.

What Banks Won't Tell You About Mortgage Financing

Working with a single financial institution significantly limits your options when considering mortgage financing, especially if your financial situation isn’t straightforward.

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Benefits of Working with an Independent Mortgage Professional

Simply put, an independent mortgage professional works for you and has your best interest in mind, while a bank specialist works for the bank and has the bank’s best interest in mind.

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GDS/TDS Ratios Explained

One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.

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Standard or Collateral Charge Mortgage. What's best for you?

When arranging mortgage financing, your mortgage lender will register your mortgage in one of two ways. Either with a standard charge mortgage or a collateral charge mortgage. Learn more about the differences here.

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4 Ways to Access your Home Equity

If you've been a homeowner for many years, likely your property value has increased significantly. One advantage of homeownership is the opportunity to build equity. Learn more about how you can access your home equity.

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The Property Matters in Mortgage Financing

When looking to qualify for a mortgage, typically, a lender will want to review four areas of your mortgage application: income, credit, downpayment/equity and the property itself. Assuming you have a great job, excellent credit, and sufficient money in the bank to qualify for a mortgage, if the property you’re looking to purchase isn’t in good condition, you’re going to get some pushback from the lender. Learn more about why the property matters to the lender here.

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