Investment Property

Get the best investment property mortgage rates in Ontario.

An investment property mortgage is a type of home loan used to finance the purchase of a property that is not your primary residence. Investment property mortgages are typically more expensive than traditional home loans, and they have different eligibility requirements.

In Ontario, an investment property is considered a real estates property, such as an apartment, single-family home, or duplex, that has been purchased with the intention of earning a return on the investment, either through rental income, future resale, or both. However, they can also be commercial properties, such as office buildings, warehouses, and retail stores.

Mortgage agent and buyers in a new rental condo appartment

Investment Property Mortgages Rates

When it comes to investment property mortgages, there are a few different options to choose from. These include fixed, variable, and adjustable-rate mortgages.

  • Fixed-rate mortgages are typically the most popular choice for investment properties, as they provide stability and predictability in terms of monthly payments. However, it is worth noting that interest rates on fixed-rate mortgages tend to be higher than those of other mortgage types.
  • Variable-rate mortgages may be a good option for investors who are comfortable with a bit of uncertainty. With this type of mortgage, interest rates can fluctuate over time, which means that monthly payments could go up or down. This could make budgeting for an investment property more difficult, but it also gives investors the opportunity to save money if interest rates happen to decrease.
  • Adjustable rate mortgages are another option to consider for investment properties.

Investing in property can be a great way to secure your financial future, but it can be tough to get the best mortgage rates. Ontario is a competitive market, and finding the best rates can save you thousands of dollars over the life of your loan. Our team of mortgage experts is here to help you navigate the mortgage process and get the best rates possible.


An investment property mortgage is often referred to as a ‘traditional mortgage’. The traditional mortgage requires a minimum of 20% down payment.

It is more difficult to obtain a loan for an investment property than for a home that will be owner-occupied.

An investment property mortgage offers competitive rates in order to attract buyers and spur economic activity. The biggest advantage of an investment property mortgage is the high loan-to-value (LTV) ratios that lenders offer. For example, a lender may give an investor a loan for 80% of the value of a 1-4 unit rental property.

In Ontario, Investment property mortgage offers extended amortizations for up to 30 years.

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