Invest in Oakville, Relax at the Lake, One Smart Mortgage
Custom financing for rental units and weekend cottages, all arranged by our local team
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We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
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Trusted by 1,100+ homeowners, just like you, from across Ontario
Turn Home Equity Into Rental Income—or Dockside Sunsets
Whether you are eyeing a legal duplex near Sheridan College or dreaming of a cedar-lined retreat on Lake Muskoka, the right mortgage structure can make the jump achievable without straining cash flow. Our Oakville team blends local market insight with national lender access to secure financing tailored to both investment properties and three-season cottages.
We start with a discovery call to map out your goals: cash-on-cash return, long-term appreciation or simply a place to unwind on weekends. Then we compare fixed, variable and readvanceable products from more than 30 Canadian lenders, modelling rental income, seasonal vacancy and short-term-rental projections so you see the full picture before committing.
Concerned about a 20 percent down payment on that Kerr Village triplex? We can unlock equity from your current Oakville residence or pair you with lenders who accept gifted funds. For cottages, we clarify winter-access rules, septic requirements and insurance add-ons that mainstream banks often overlook. From appraisal to lawyer sign-off, documents are handled electronically, and most deals close in three weeks or less—leaving you to focus on tenant screening or picking out a new dock.
Start My Investment PlanFAQs for Mortgages for Investment Properties or Cottages in Oakville, Ontario
What down payment do we need for an Oakville rental property?
Most lenders require 20 percent down on non-owner-occupied units. We can combine home-equity funds with savings to meet the threshold without draining your reserves.
Can we use projected rent to boost our mortgage approval?
Yes, lenders will typically add 50 to 80 percent of market rent to your income. We supply a certified rent letter or lease to maximize how much of that revenue counts.
Is financing a Muskoka cottage different from an Oakville home?
Cottage loans hinge on year-round road access and winterized plumbing. We match you with lenders comfortable with seasonal properties and explain any insurance tweaks.
Can we refinance our Oakville house to fund a down payment?
Absolutely, many clients tap up to 80 percent of current value through a refinance or HELOC. We ensure the new payment fits your budget before releasing funds.
How fast can an investment mortgage close?
With documents in hand, approvals land in three business days and funding follows within two weeks. We coordinate appraisal, insurance and legal steps to keep the timeline tight.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!