Mortgage for Real Estate Investors
Whether it is a first plex, a rental building or adding a property to your portfolio, financing an investment follows different rules than a primary residence. We help you structure your project and find the right lender.
Discuss my projectWhat changes for an investment
The lender assesses your personal income, but also the expected rental income, the building's expenses and your overall debt level. The down payment and conditions vary depending on the type of property and the lender.
Types of projects we support
- Duplex, triplex or plex that you live in
- Rental building
- Secondary property to rent out
- Refinancing for a next purchase
Preparing your project
Before making an offer, have your borrowing capacity and the project's profitability analyzed. A pre-approval gives you a stronger basis to negotiate, according to the lender's conditions.
Required documents
- ID
- Proof of income
- Notice of assessment
- Leases or rental income, if applicable
Frequently asked questions
Does rental income count toward my borrowing capacity?
Yes, partly, according to each lender's rules.
Can I buy a plex and live in it?
Yes. It is often a good way to get started. Conditions vary depending on the number of units.
Do you offer commercial loans?
We focus on residential properties (1 to 4 units). For larger projects, talk to us and we will look at the options.
Let's talk about your file
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