More Canadians are investing in vacation properties as a way to relax, build wealth, and create family memories. Accessible mortgages with competitive rates are available for various vacation homes, including non-winterized or remote cottages, with lending criteria different from primary residences. Depending on the type and use—such as lake cottages or college housing—down payments can range from as low as 5% to 20% or more, with seasonal or specific cottage types often requiring higher rates. Mortgage options also vary based on whether the property is year-round accessible or seasonal. Financing can include refinancing, HELOCs, or reverse mortgages, supported by innovative Canadian tools for a smooth pre-approval process. Contact us for detailed information and quick approvals.