Thinking About an Investment Property?
Financing an investment property works differently from buying a home to live in. We can help you understand down payment requirements, how lenders may consider rental income and how the property could fit into your overall borrowing strategy.
Investment Property Financing, Explained
Investment Property Down Payment
Rental properties typically require a larger down payment than owner-occupied homes — often 20% or more, depending on the lender and property type.
How Rental Income Affects Qualification
Lenders may consider a portion of expected rental income when qualifying you, but how it's treated varies by lender and mortgage program.
Financing Considerations
Interest rates, insurance requirements and qualification ratios can differ for investment properties compared to a home you'll live in.
Existing Mortgage & Debt
Your current mortgage and other debts are part of the qualification picture when adding an investment property.
Estimated Mortgage Payments
Use the affordability calculator to estimate payments on a potential investment purchase.
Available Financing Options
Banks, credit unions, monoline and alternative lenders each have different programs for investment properties.
What Can You Afford on Your Purchase?
Set your target home price and down payment, pick a Tribe Financial rate, and see your estimated monthly payment, mortgage insurance, and income needed — instantly.
Canada/ON minimum: 5% on the first $500K, 10% on $500K–$1.5M, and 20% on any amount above $1.5M.
Max 25 years on insured mortgages (under 20% down). Check the first-time buyer box or increase your down payment to 20%+ to unlock 30 years.
Pre-approval locks today's rate for up to 130 days — so you shop with confidence and a firm budget in hand.
On a 3-year term, 25-year amortization
Figures are illustrative estimates only, subject to credit approval, underwriting qualification, and applicable lender/insurer terms. O.A.C.
More Lenders. More Options.
Your mortgage shouldn't be limited to the products offered by one bank. We compare options from a variety of lenders to help find a mortgage that fits your needs, goals and financial situation.
Because the right mortgage is about more than just the rate.
Major Banks
Canada's largest financial institutions.
Credit Unions
Regional lenders with flexible guidelines.
Monoline Lenders
Mortgage-only specialists with competitive products.
Alternative Lenders
Solutions for unique income or credit situations.
"The right mortgage isn't always the one with the lowest advertised rate. We'll help you compare rate, payment, prepayment privileges, penalties, flexibility and overall fit."
Compare My Mortgage OptionsWhat Homebuyers Say
Real Google reviews from first-time buyers and purchase clients.
Being a first time buyer I was nervous but Gian helped us and gave a very good service. Thank you Gian for wonderful service.
Jagjit Singh
May 2026 · Verified Google Review
I had a great experience working with Gian for my first mortgage. He was on top of everything from start to finish and made the whole process feel easy and stress-free. Highly recommend!
Kia Soze
Apr 2026 · Verified Google Review
Gian is so helpful, patient and helped us obtain a mortgage. He guided us and did amazing work. Thank you Gian!
Sunny
May 2026 · Verified Google Review
Working with Gian was an exceptional experience from start to finish. He demonstrated professionalism, kindness, and genuine care. He even made a home visit to ensure everything aligned with our expectations.
Lechelle Reynolds-Leila
Apr 2026 · Verified Google Review
Get Pre-Approved & Shop With Confidence
We'll review your application, income, credit and available lender options to help you understand your potential buying power and next steps.
130-Day Rate Hold Protection
Lock today's rate while you house-hunt. If rates drop before you close, we re-lock lower.
We Handle the Paperwork
From application to closing — we coordinate with the lender, realtor, and lawyer for a seamless purchase.
No Brokerage Fees on Prime Mortgages
Lenders pay our fee directly, so you pay $0 for expert advice and lender shopping.
Credit Review
A credit review can provide a more complete picture of your mortgage qualification and available lender options.
Need Immediate Guidance?
Our purchase desk is available Monday–Saturday 8am to 8pm EST.
Frequently Asked Questions
Common questions from Ontario homebuyers.
Ready to Start Your Home Search?
Start by understanding what you may qualify for, what your payments could look like and which mortgage options may fit your situation.