More Canadians are investing in vacation properties for relaxation, wealth-building, and quality family time. Accessible mortgages with low rates are available even for non-winterized or remote locations, though lending criteria differ from primary residences. Vacation and secondary homes may require down payments ranging from 5% to over 20%, depending on the property type and category, with certain cottages facing higher rates and requirements. Mortgage options vary based on whether the property is year-round accessible or seasonal. Buyers can also use refinancing, HELOCs, or reverse mortgages to cover down payments. Innovative Canadian tools streamline the process, and expert guidance is available for quick pre-approval and comprehensive information.