Financing for Cottages & Investment Properties
Seasonal & Year-Round Cottages
Financing for both seasonal cottages and year-round recreational homes across Ontario.
Rental Properties to 4 Units
Rental property loans for residential buildings up to 4 units.
Use Rental Income to Qualify
Most lenders allow 50-100% of gross rental income to offset your carrying costs.
Vacant Land & Construction
Financing for vacant land purchases and new construction projects.
Investment Refinancing
Refinance existing investment properties to access equity for new opportunities.
Portfolio Landlords Welcome
Specialized solutions for investors building multi-property portfolios.
Your Cottage or Investment, Funded Right
Whether you're dreaming of a lakeside cottage or building an investment portfolio, recreational and investment property financing works differently than a primary residence mortgage. We specialize in matching the right lender to the right property type.
Secondary Residences vs. Rentals
The financing structure depends on how you'll use the property. A secondary residence for personal use has different requirements than a rental property generating income. We analyze your intentions and match you with the appropriate product.
Ontario's Prime Markets
From Muskoka to Georgian Bay to cottage country across Ontario, we know the lenders who finance recreational properties in these markets — and the nuances that come with them.
Use Rental Income to Boost Qualification
For investment properties, rental income can significantly increase your borrowing power. Most lenders allow 50-100% of gross rental income to offset your mortgage carrying costs, meaning the property can partially pay for itself. We analyze potential rent, vacancy factors, and operating expenses to present a clear picture of how much you can borrow based on the property's income potential.
Explore Investment Financing
Our 3-Step Investment Process
1. Property Type Analysis
Determine if it's a secondary residence, rental property, or mixed-use and match appropriate products.
2. Income Calculation
For rentals: analyze potential rent, vacancy factors, and operating expenses.
3. Lender Selection
Choose from lenders specializing in recreational and investment properties.
Down Payments and What to Expect
Down payment requirements vary by property type. Secondary residences typically need 10-20% down depending on type and location, while rental properties may require 20% or more. Vacant land and construction loans have their own criteria.
Planning Your Purchase
Knowing the down payment and documentation requirements upfront helps you plan with confidence. We walk you through exactly what's needed for your specific property type before you make an offer.
Most lenders allow 50-100% of gross rental income to offset your mortgage carrying costs on investment properties.
Cottage & Investment Mortgage Frequently Asked Questions
Ready to Invest?
Whether it's a cottage retreat or an income property, we'll find the right financing. Let's explore your options — it's free to get started.