Mortgages for Cottages and Investment Properties in Ontario
We unlock lake‑country getaways, duplex flips and long‑term rentals with tailored down‑payment options, rental‑income add‑backs and expert tax guidance.
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Why Investors and Cottage Buyers Choose Our Ontario Mortgage Team
From Simcoe County lake lots to Windsor student rentals and all points in between, specialty properties call for specialty financing.
Our mortgage team will take the time to source lenders that value cash flow over red tape, saving our clients thousands over the life of the loan. We'll walk you through the steps of getting the vacation or rental home you've always dreamed of.
FAQs for Mortgages for Cottages and Investment Properties in Ontario
What down payment do I need for a cottage mortgage?
Most lenders ask for 10 percent on fully winterized cottages within 50 km of essential services, while seasonal cabins around Georgian Bay may require 20 percent. We confirm the category before you firm up an offer.
How is rental income counted for investment property approval?
Prime lenders typically use 50 percent of gross rent, but we have programs using 80 percent or even full offset. That helps GTA duplex owners qualify for larger mortgages without draining cash flow.
Can I refinance my home to buy a cottage?
Yes, many Barrie families tap up to 80 percent of current value, then use the equity for a Kawartha Lakes retreat. We line up both files together so timing and legal costs stay efficient.
Are interest rates higher on investment properties?
Rates are usually 0.20 to 0.40 percent above owner‑occupied pricing. We compare fixed, variable and credit‑union options so Windsor landlords pick the best balance of cost and flexibility.
Will a septic system or private road affect approval?
Lenders want proof of year‑round access and an up‑to‑date septic report. We connect Burlington buyers with local inspectors and include the paperwork upfront, avoiding closing‑day surprises.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100 percent accurate information.
