Own the getaway you've always dreamed of. From lakefront cottages to ski chalets, I'll help you finance your perfect retreat.
Overview
A vacation property can be one of life's great joys — a place to unwind, build memories, and potentially generate rental income. But financing a second property has its own rules and considerations.
Whether you're looking at a seasonal cottage, a year-round cabin, or a recreational property anywhere in Canada, I'll help you understand your options and structure financing that makes sense.
Key Benefits
I know which lenders finance recreational properties — and which offer the best rates.
A HELOC or refinance on your primary home can elegantly fund your vacation property purchase.
I'll make sure a vacation property fits comfortably within your overall budget.
Common Questions
For personally-used properties with year-round road access, as little as 5% down may qualify. Seasonal or remote properties typically require 20%+.
In many cases, yes. If you plan short-term rentals, some lenders will consider projected income in your application.
Absolutely. This is a popular strategy — draw on your home equity for the down payment and take a separate mortgage on the vacation property.
Book a free, no-obligation consultation and let's find the right mortgage for your situation.