Specializing in investment and rental property mortgages

A rental property mortgage is a great way to start building your net worth, but it’s important to have a clear understanding of the factors involved. By working with an experienced mortgage broker, you can get all the information and support you need to make informed decisions.

Mortgage term and payment flexibility

We offer a range of amortization options, with up to 30-year terms for unparalleled flexibility and choice. Find out how your down payment can help you secure better loans today.

Most competitive rates for purchasing and refinancing

Whether you are looking for a builder mortgage or an investment property mortgage, we offer the most competitive rates for purchasing, refinancing and renewing your mortgage.

More options for fixed, variable and adjustable rate mortgages

We help you choose the best mortgage for your needs, whether it’s a variable rate mortgage or a home equity line of credit. We explore all the options to get you the best mortgage.

Getting the best rate
Debt Ratio

Whether it’s a Gross Debt Service (GDS), Total Debt Service (TDS) or Debt Service Coverage Ratio (DSCR), we’ll calculate your debt ratio and determine your mortgage eligibility.


With a competent and knowledgeable mortgage broker on your side, you can access tailored advice and a wealth of resources and knowledge.


Proof of down payment, steady income, existing renters, zoning documentation and the purchase agreement are all required.

Start the pre-qualification process today!

Everything you need to know

about an investment property mortgage


With less than 20% down, your maximum amortization period will be 25 years. However, if you put down more than 20%, you may qualify for a 30 or 35-year amortization period.

Down Payment

Investment properties that are not owner-occupied require a 20% down payment, whereas owner-occupied properties may require only 5% down, depending on the number of units.

Mortgage Default Insurance

Generally speaking, you will not be required to have mortgage default insurance with a 20% or greater down payment. However, if it is required, owner-occupied properties will have a lower rate.

Increase your net worth

A rental property mortgage is one of the first steps to true financial freedom, as it allows you to gain passive income. This, in turn, helps increase your net worth, allowing you to better plan for your future and save for retirement. An investment property mortgage broker helps you secure the best rates.

Frequently asked questions

The length of your mortgage will depend on your goals and financial situation. We will help you determine the best amortization period for your unique situation. 

Your mortgage, utilities and property taxes are consistent monthly expenses to account for. You should also plan on saving money to address preventative and unexpected maintenance and renovations or upgrades to the home. You can talk to us about a home equity line of credit for helping with the high costs of a large renovation. 

It is not generally advisable to purchase a rental property first, as they are generally more expensive and require additional upkeep. However, every situation is different, so contact us to see if it is right for your unique circumstances.

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