Finance Your
Cottage or Getaway
Muskoka, Prince Edward County, or the Okanagan — vacation property financing has its own rules, and we know exactly how to get your recreational property approved.
5%
Min down (seasonal road)
20%
Min down (non-winterized)
Year-round
Required for insured
30+
Lenders compared
Vacation Homes
Own your piece of Canadian paradise — we know how cottage financing works
Vacation home financing is more nuanced than primary residence mortgages. Lenders care about year-round accessibility, water source (drilled well vs. lake intake), winterization, and rental income. We navigate these property-specific rules to get you approved.
Year-Round Cottages
A fully winterized cottage on an all-season road qualifies for CMHC-insured financing with as little as 5% down — same as a primary residence.
Seasonal Properties
Seasonal cottages (non-winterized) require 20% down as conventional financing. We find lenders comfortable with recreational property underwriting.
Rental Income Consideration
Using your cottage as a short-term rental (Airbnb/VRBO) when not in use? We have lenders that factor seasonal rental income into your qualification.
Water Access Properties
Island and water-access-only properties have limited lender options. We know which lenders accept them and under what conditions.
HELOC From Your Home
Use the equity in your primary residence to fund a vacation property purchase — often the most efficient financing strategy available.
Second Property Strategy
Buying a vacation property as a second home (not rental) can qualify for better rates than investment property financing.
How vacation property financing works
Simple, transparent, and built around you.
Property assessment
We review the property type: winterized, seasonal, water access, or island — each has different lender requirements.
30 minLender matching
We match your property and financial profile to the right lender — there are far fewer options here and we know who they are.
24 hoursApplication & appraisal
Recreational property appraisals use comparable cottage sales in the area. We order the right appraisal type for the lender.
1–2 weeksApproved & cottaging
Mortgage closes. Keys are yours. Enjoy the lake — you've earned it.
3–5 weeksCommon questions
Your cottage is waiting
We know the recreational property lenders, their rules, and how to navigate them. Free consultation — let's talk about your dream getaway.