Investment properties
Purpose-built mortgage financing for Canadian rental and investment properties.
Financing an investment property works differently than financing a home you live in — down payment minimums are higher, and lenders assess rental income and your overall portfolio. A Finevo advisor structures financing around your investment goals, whether you're buying your first rental or scaling a multi-property portfolio.
What to know
Down payment requirements
Non-owner-occupied rental properties generally require a minimum 20% down payment, since default insurance is not available on pure rental purchases.
Rental income offset
Lenders typically use a rental income add-back or offset method to factor in income from the property when qualifying your application.
Portfolio lenders
As your number of financed properties grows, some lenders cap exposure — we help match you with lenders comfortable financing larger portfolios.
Multi-unit financing
Duplex, triplex, and fourplex properties may qualify for owner-occupied rates if you plan to live in one unit.
Good to know
- Owner-occupied multi-unit properties (up to 4 units) can sometimes qualify with a lower down payment than a pure rental purchase.
- Lenders stress-test investment property applications using the same qualifying rate rules as owner-occupied mortgages.
- Keeping clean, organized records of rental income and expenses strengthens future refinance and portfolio-growth applications.
This information is a general overview of Canadian mortgage options and is not financial advice. Programs, rates, and eligibility are subject to change and to lender and insurer qualification. Speak with a licensed Finevo advisor for guidance specific to your situation.
Let's find the right fit
Connect with a licensed Finevo advisor for a personalized look at your investment properties options across 40+ Canadian lenders.