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Finance Your Next Rental or Investment Property Whether you are purchasing your first rental unit, expanding a portfolio, or financing...
Takes 30 seconds. No credit check required.
Whether you are purchasing your first rental unit, expanding a portfolio, or financing a multi-unit residential property, Mortgagefy provides access to investment property mortgage solutions from 100+ lending partners. We work with investors at every level — from first-time landlords to experienced portfolio holders — and can structure financing based on rental income, property cash flow, or personal qualification.
An investment property mortgage is a loan used to purchase or refinance residential property that will not be your primary residence. In Canada, investment properties typically require a minimum 20% down payment since they are not eligible for default insurance (with the exception of owner-occupied properties with legal rental suites, which may qualify for insured financing at 5–10% down). Lenders assess rental income, vacancy rates, and debt service coverage alongside your personal qualification to determine approval.
Investors purchasing 1–4 unit residential rental properties. Homeowners converting their current home to a rental. Portfolio investors expanding their holdings. Borrowers who want to qualify based on rental income and property cash flow rather than personal income alone. Investors with properties in urban and suburban markets across Canada.
Competitive rates from banks, credit unions, and B-lenders for investment properties. Use rental income to qualify — some programs assess property cash flow as the primary qualifying factor. Finance up to 80% of the property’s value on conventional mortgages. Access to insured financing for owner-occupied properties with legal rental suites. Expert guidance on structuring your portfolio for maximum financing efficiency.
We analyze your investment goals, existing portfolio, and the subject property’s rental potential. Our team identifies the best financing structure — whether that is a conventional bank mortgage, a B-lender product with more flexible qualification, or portfolio lending for experienced investors. We handle the full application, appraisal coordination, and approval process to get you funded quickly so you can close on your next investment.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
