Investment Property Mortgages in the GTA
Rental properties are financed differently from a primary home. I help first-time landlords and growing portfolios find lenders and terms where the numbers work.
Why investment financing is different
Lenders look at a rental property differently from a primary home, including how much rental income counts toward qualifying. The right lender and structure matter more as your portfolio grows.
What I look at
- How rental income is counted by different lenders
- Your down payment and where the funds are coming from
- Your existing properties and overall debt
- Terms that fit your plan for the property
How it works
- Start with your goalWe talk about your plan for the property, what you want it to earn and the numbers.
- Match the lenderI find lenders suited to rental and investment purchases.
- Submit the fileI present the rental income and your finances clearly to the lender.
I want you to know what I know, so we make an informed decision together. My aim is a relationship that lasts longer than your mortgage.
Download
Investment Property Document Checklist
A one-page list of what to have ready when financing an investment property.
Common questions
Can rental income help me qualify?
Often, in part. How much counts depends on the lender.
Do I need more down payment for an investment property?
Typically, yes. Requirements depend on the lender and property.