What is the best mortgage rate in Ontario right now?

Greenhouse Mortgage currently offers 5-year fixed rates starting as low as 4.19% and variable rates from 5.45% through our network of 30+ lenders including banks, credit unions, and monoline lenders. Contact us for a free personalized rate quote.

Can I get a mortgage if my bank declined me?

Yes. Greenhouse Mortgage specializes in alternative and private lending for clients declined by traditional banks. Whether due to credit, income type, or property issues, we have lender solutions across 30+ providers that can help.

How long does mortgage pre-approval take in Ontario?

Greenhouse Mortgage can provide same-day pre-approval in most cases. Full approval typically takes 24-72 hours depending on the lender and documentation required.

Is Greenhouse Mortgage FSRA licensed?

Yes. Greenhouse Mortgage Services Inc. holds FSRA Mortgage Brokerage Licence #13468. All brokers and agents are individually licensed under FSRA in Ontario.

Does Greenhouse Mortgage serve Hamilton, Mississauga, and Brampton?

Yes. Greenhouse Mortgage is headquartered in Burlington, Ontario and serves clients across the entire province including Hamilton, Mississauga, Brampton, Toronto, Oakville, Milton, and the entire GTA.

How much down payment do I need for an investment property in Canada?

A minimum of 20% is required for investment properties (non-owner-occupied). There is no CMHC insurance available for investment properties with more than 4 units or for properties where the owner does not reside. For owner-occupied multi-units (2–4 plex), CMHC allows as little as 5% down on the owner-occupied portion.

How does rental income factor into my mortgage qualification?

Lenders treat rental income differently. Most A-lenders add 50–80% of gross rental income to your qualifying income. Some lenders use an "offset" method, where rental income reduces the property's monthly carrying cost rather than being added as income. We choose the method that works best for your file.

Can I get a mortgage through my holding company?

Yes. Some lenders accept mortgages in a corporation name or holding company. This typically requires a personal guarantee from the directors and the same income qualification as a personal mortgage. We work with several lenders who specialize in corporate-held investment properties.

What happens when I have more than 4 investment properties?

Once you have 5+ financed properties, most A-lenders apply portfolio limits. We pivot to portfolio lenders, commercial underwriting rules, or monoline lenders that don't cap the number of financed properties — treating your portfolio as a rental business.

What is a BRRRR mortgage and can I get one?

BRRRR (Buy, Renovate, Rent, Refinance, Repeat) involves buying a distressed property, renovating it, stabilizing the rent roll, and pulling out equity via refinance to fund the next purchase. We structure the refinance step specifically for this strategy, targeting 75–80% LTV post-renovation appraised value.

Investment Properties

Finance Your Next
Investment Property

Buy and hold, BRRRR, multi-unit, or rental condo — we understand how rental income qualification works and find lenders that maximize your portfolio's buying power.

Explore Investment Financing Call (647) 775-0809

20%

Min down payment

80%

Rental income used to qualify

Units: commercial rules apply

30+

Portfolio lender options

Investment Properties

Build your real estate portfolio faster

Investment property mortgages have different rules than owner-occupied homes. You need 20% down, rental income is treated differently by each lender, and portfolio qualification gets complex beyond 4 properties. We know these rules inside out and match you with lenders that specialize in investor clients.

Single-Unit Rentals

Purchase a rental condo, townhouse, or detached home with 20% down. We add rental income at 50–80% depending on the lender program.

Multi-Unit (2–4 Plex)

Live in one unit, rent the others. CMHC insured financing available for owner-occupied multi-units — as little as 5% down for a duplex.

Portfolio Lending

Already have 5+ properties? We work with portfolio lenders that look at your rental income as a business rather than individual mortgage limits.

BRRRR Strategy

Buy-Renovate-Rent-Refinance-Repeat. We structure the refinance portion to maximize cash-out while staying onside with lender rules.

Rental Offset Programs

Some lenders allow up to 100% of rental income to offset the property's carrying costs, improving your TDS ratio significantly.

Corporation Structuring

Buying through a holding company? We have lenders that accept corporate ownership structures for investment properties.

How investment property financing works

Simple, transparent, and built around you.

Portfolio review

We assess your existing properties, rental leases, and qualifying income to model maximum borrowing power.

45 min

Property analysis

We review the subject property's rental potential, comparable rents, and cash-on-cash return before committing.

1–2 days

Lender submission

We prepare a full investment package including rental agreements, property income schedules, and portfolio summary.

3–5 days

Approve & close

Financing confirmed. Property closes with your lawyer. You receive title and start collecting rent.

3–6 weeks

Explore Investment Financing

“I had 6 properties and every bank told me I was maxed out. Greenhouse found me a portfolio lender who looked at my rental business as a whole. I added 3 more doors in 18 months.”

Marcus T.

Hamilton, ON

Common questions

Ready to grow your portfolio?

We work with investors from their first rental property to portfolios of 20+ doors. Free consultation with our investment property specialists.

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Greenhouse Mortgage Services Inc. — Best Mortgage Rates Burlington & Ontario | FSRA Licensed Broker #13468

Finance Your NextInvestment Property