There has been an increase in the number of Canadians investing in vacation properties for relaxation, wealth-building, and family moments. Accessible mortgages with low rates are available for vacation properties, including non-winterized or remote locations. Different lending criteria apply to second or third homes compared to primary residences, and different types of cottages have varying requirements regarding down payments and receive different treatment from lenders. Mortgage options depend on the property type, categorized as year-round accessible or seasonal. Incorporating down payments via mortgage refinancing, HELOC, or reverse mortgage is also an option. Canadians can access innovative tools for streamlined processes and accuracy, and for complete info and a quick mortgage pre-approval process, they can reach out for assistance.