Want me to personally review your mortgage situation? Drop your info below and I'll call you within a few hours. No pressure, just expert guidance.
Finance Your Cottage, Cabin, or Vacation Home Whether you are buying a cottage in Muskoka, a cabin in the Kawarthas,...
Takes 30 seconds. No credit check required.
Whether you are buying a cottage in Muskoka, a cabin in the Kawarthas, or a vacation condo anywhere in Canada, we help you find the right financing. Vacation property mortgages have unique requirements that differ from primary residences, and working with a broker ensures you get the best terms available.
Most lenders require a minimum 20% down payment for vacation or second properties, as they are not eligible for CMHC insurance. Some properties in rural or seasonal-access areas may require 25-35% down depending on the property type and location.
Lenders will assess your existing mortgage payment plus the new vacation property payment against your income. Rental income potential from the property may be factored in depending on the lender. We work with lenders who understand the vacation property market and offer competitive rates.
Waterfront cottages and cabins. Ski chalets and mountain properties. Vacation condos and townhomes. Rural recreational properties. Seasonal-access properties. We match each property type with lenders experienced in that specific market.
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.
