A growing number of Canadians are purchasing vacation properties for relaxation, investment opportunities, and quality family time. Accessible mortgages with attractive rates are available for various types of vacation properties, whether they are winterized or in remote locations. Different lending criteria are applied for secondary homes compared to primary residences, with some properties requiring a minimum down payment of 5% to 20% or higher depending on the category. Mortgage options and requirements vary depending on the property type, whether it is categorized as year-round accessible or seasonal. Innovative tools in Canada can streamline the mortgage process, and individuals can reach out for complete information and a quick pre-approval process.