Our Program
Whether you’re purchasing your first rental condo, adding a
duplex to your portfolio, or financing a multi-unit property,
Rapid Rates provides competitive investment mortgage solutions
built for Canadian real estate investors. We help you structure
financing that maximizes cash flow, minimizes costs, and keeps
your portfolio growing on solid ground.
An investment property mortgage is financing used to
purchase a property you don’t plan to live in as your
primary residence — such as a rental unit, duplex,
or vacation property. It comes with different rules,
rates, and down payment requirements than a standard
home mortgage.
Investment properties in Canada require at least 20% down — but with the right lender and structure, your rental income can help offset your carrying costs and strengthen your application.
Most lenders allow you to use projected rental income to offset your mortgage payment when calculating your total debt service ratios — making it easier to qualify for larger investment loans.
Investment property mortgages are one of the most powerful wealth-building tools available to Canadians. We help you structure each purchase to maximize your equity growth and rental yield over time.
Whether this is your first rental or your fifth, our advisors help you plan the most tax-efficient and lender-friendly structure for your entire real estate portfolio — not just the next purchase.
Financing an investment property requires a different
strategy than a primary residence mortgage. Here’s how
we help Canadian investors do it right.
Tell us whether you're buying a rental condo, a duplex, a multi-unit building, or a vacation property. Each requires a different approach to financing and lender selection.
We review your existing properties, rental income, and overall debt picture to determine the maximum you can borrow and the structure that keeps your cash flow positive.
Our advisors compare investor-specific products from banks, credit unions, and alternative lenders to find the rate and terms that work best for your investment goals — not just your primary residence profile.
From appraisal to commitment to legal closing, we manage every step and keep you informed so your investment closes on time and on budget.
Canada’s Fastest Path to Your Best Rate
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