Unlock Investment Opportunities with Property Financing

At Boychuk Mortgage Group, we specialise in providing tailored mortgage solutions that cater specifically to the needs of investors like you who are keen on expanding their real estate portfolios. Whether you're a seasoned investor or venturing into your first investment property, our expertise and commitment ensure you have the financial tools to confidently achieve your goals.

Investment Property Mortgages

Investment Property Mortgages

Understanding Investment Property Mortgages is crucial for navigating the complexities of real estate investment beyond your primary residence. Unlike traditional home mortgages, Investment Property Mortgages are structured to accommodate the unique dynamics of rental income and property appreciation. These financial products empower investors to leverage their capital effectively, generating passive income streams and maximising long-term wealth accumulation through strategic real estate investments.

Investment Property Mortgages

Boychuk Mortgage Group recognizes that each investor's journey is unique. Our Investment Property Mortgages are designed to offer flexibility and reliability, supporting your investment strategy whether it involves single-family homes, multi-unit residential buildings, or commercial properties. We work closely with you to understand your investment objectives and customise financing solutions that align with your financial aspirations and risk tolerance.

With Boychuk Mortgage Group, you can access comprehensive guidance and support throughout the investment property financing process. Our team of experts is dedicated to providing personalised service, transparent communication, and efficient solutions that streamline your path to acquiring and managing investment properties. Whether you're looking to optimise your existing portfolio or embark on a new investment venture, we are here to help you navigate the complexities of Investment Property Mortgages with clarity and confidence.

Investment Property Mortgages

Advantages of Investment Property Mortgages

Income Generation

Investment properties provide a reliable rental income stream, offering investors a stable cash flow that can complement other income sources and ensure financial stability over time.

Asset Diversification

By investing in real estate, investors diversify their portfolios with a tangible asset that tends to appreciate in value over the long term. This diversification helps spread risk and potentially increases overall returns through rental income and property value appreciation.

Tax Advantages

Investors in real estate can benefit from various tax deductions, including mortgage interest, property taxes, depreciation, and maintenance expenses. These deductions reduce taxable income, increase cash flow, and enhance profitability.

Equity Building

Investors build equity in their investment properties through property appreciation and mortgage principal paydown. This equity can be leveraged for future investments or expanded to further expand their real estate portfolios.

Portfolio Growth

Investment Property Mortgages provide access to tailored financing options that allow investors to strategically acquire properties. This flexibility helps diversify holdings and strengthen portfolio resilience against market fluctuations.

Long-Term Wealth Creation

Real estate investments serve as a vehicle for long-term wealth creation by offering both passive income through rentals and potential capital gains on property sale. This dual benefit makes real estate a compelling choice for building generational wealth.

Flexible Financing Options

Boychuk Mortgage Group offers a range of mortgage products, including fixed-rate and variable-rate options, tailored to meet diverse investment strategies and financial preferences. These options allow investors to align their financing choices with their specific goals and risk tolerance.

Advantages of Real Estate Investing

Google Reviews

Happy Client Reviews

  • testimony

    We had the best experience working with Riley and his team. He is very knowledgeable and was able to help us secure a great rate for our mortgage. He was available at all times to answer any questions we had and was great at communicating with us. Would 100% recommend Riley and his team for your mortgage needs

    testimony

    Szendi Godin

  • testimony

    Riley was such a pleasure to work with. He made our dreams come true, he got us an amazing rate and made it a stress free experience. He is so personable and goes above and beyond for his clients. The thoughtful touches with house warming gifts and birthday cards. He has made such an impact in our life and we will be forever grateful!

    testimony

    kamiko allen

  • testimony

    We recently used Riley as our mortgage broker and he was the best!! Super kind and patient. He was very responsive, took so much time to explain the whole process to us and was able to find us a great mortgage. Would highly recommend.

    testimony

    Annika Reimer

  • testimony

    My husband and I are blown away by how dedicated Riley has been to helping us through the purchase of one home and the sale of another. This whole process can be really overwhelming, but Riley did an excellent job at explaining and educating us through it all. He's very attentive by making phone calls just to check in, and he really cares about us as people not just clients. I would recommend him to anyone I know.

    testimony

    Jillian Nielsen

  • testimony

    Had an absolutely amazing experience dealing with Riley and his team. He was extremely helpful every step of the way and made the home buying experience as easy as possible for us. Highly recommend Riley to anyone looking to purchase a home!

    testimony

    Boston Colley

  • testimony

    We've had great experience with Boychuk Mortgage Group getting a mortgage for our rental property in Calgary. The communication was great, the whole process was smooth and easy. Highly recommend.

    testimony

    Alexander Gazimov

  • testimony

    We had an excellent experience with Riley. Despite our unique situation, he provided outstanding service, addressing our needs and questions promptly. He navigated through any hiccups, ensuring a smooth process. Highly recommend for his professionalism and client-focused approach.

    testimony

    David Bigley

  • testimony

    Riley and his team are a pleasure to work with. They are fast and pay attention to detail. They were able to answer any questions I had regrading the purchase of our new home and worked quickly to assist on closing. I would not hesitate to use the Boychuk Mortgage Group again and recommend them to anyone looking for any mortgage needs.

    testimony

    _christian_sison_

  • testimony

    I had an excellent experience dealing with Boychuk Mortgages. Riley was so thorough and was always available to answer any questions I had throughout the process. He made a difficult and confusing process so easy for a first time home buyer.

    I would recommend Riley to anyone looking for a mortgage broker.

    testimony

    JP Guimond

  • testimony

    Riley and Carla were such a pleasure to work with. They were extremely responsive and kept us in the know every step of the way. They provided various options and helped us make the best decision for our mortgage. Thanks again!

    testimony

    Richard Mulcaster

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  • What are the eligibility criteria for Investment Property Mortgages?
  • How much down payment is required for an Investment Property Mortgage?
  • What types of investment properties can be financed with Investment Property Mortgages?
  • How can I maximise returns from investment properties?
  • HOW MUCH CAN I BORROW?
  • HOW DO I KNOW WHAT MY OPTIONS ARE?
  • DO I NEED TO ACQUIRE A TENANT BEFORE COMPLETION?
  • WHY IS THE INTEREST RATE HIGHER ON AN INVESTMENT PROPERTY?

Eligibility typically involves credit score, debt-to-income ratio, rental income potential, and financial stability. Requirements may vary among lenders, so consulting with a mortgage advisor is advisable.

Down payment requirements for investment properties are generally higher compared to primary residences. Typically, lenders require a downpayment of 20% to 25% of the property's purchase price, depending on the lender and property type.

Investment Property Mortgages can finance various property types, including single-family homes, multi-unit residential buildings, condominiums, and commercial real estate. The choice of property type depends on the investor's strategy and financial goals.

Maximise returns by selecting properties with strong rental potential in desirable locations. Efficient management of expenses, regular property maintenance, and staying informed about market trends are also crucial for optimising investment property returns.

  • This process is completed by refinancing your home.
  • Many homeowners will refinance their home for a variety of reasons, some of which include saving on interest rates, consolidating high interest debt, completing home renovations, investments, and more.
  • Through the process of leveraging your equity, we can show you the strategies to earn additional income through investments without having to use your savings.
  • Ultimately, it comes down to a numbers game, as we aim to maintain or improve your current mortgage payment and set you up in an investment that helps you grow your net worth over time.
  • The first step is to give us a call or click the “Apply Now” button to get started & one of our real estate professionals will reach out with everything you need to know.
  • It’s easier than it sounds. First, we need to establish how much equity you have in your home by assessing your homes current market value and factoring in any debts like your mortgage and any consumer debt that you may want to consolidate.

Nope!

  • We’ll arrange for an appraiser to advise on what’s called an ‘economic rent’. This report is an estimation of rental income that you can expect your property to rent out for.
  • It’s that easy!
  • It all comes down to risk exposure from the lens of a lender.
  • One key factor that lenders consider includes the possibility that you might one day have to cover part of or the entire monthly mortgage payment given a vacancy occurs.
  • Lenders also factor in the general wear and tear of a tenant occupying a home. From a lender’s perspective, they also consider the priority a borrower may place on their primary homes mortgage payment over the rental property’s mortgage payment if you were to get sick, lose a job, or go through a financially challenging time.
  • Depending on the lender, a typical increase in rate for a rental property will be between 0.10% and 0.25%.
  • While this premium may not be attractive, simply increasing your 25-year amortization to 30-year can result in lower monthly payments and positive cash flow.