Toronto Investment Property Mortgage

Fast Closings, Easy Online Application, Low Rates, 35+ Lender Options.

Based on 150 Verified Google Reviews

Based on 150 Verified Google Reviews

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Want to build wealth with real estate?

An investment property mortgage gives you the chance to buy a rental or second home with the best financial plan. No matter if you’re new to investing or have years of experience, our approval process is straightforward.

Discover the Best Mortgage Rates in Ontario

4.59%

1-Year Fixed Rate Mortgage

3.99%

3-Year Fixed Rate Mortgage

4.19%

5-Year Fixed Rate Mortgage

3.55%

3-Year Variable Rate Mortgage

Prime - 0.9%

3.39%

5-Year Variable Rate Mortgage

Prime - 1.06%

3.54 %

5-Year VRM Rate High-Ratio Mortgage

Access Competitive Rates from Top Lenders

Our seasoned advisors guide you every step, offering tailored options for purchases, refinancing, or equity take-outs - even with high-ratio or low down payment needs. We value your peace of mind: count on clear, upfront quotes, transparent privacy policies, and robust data security.

Why Choose Us for Your Investment Property Mortgage

Unlock smarter property investing with our client-first approach. We compare 35+ lenders to secure the most competitive rates, maximizing your returns. Enjoy a streamlined online application – apply in minutes, with approvals often delivered in as little as 24 hours.

Banks

Turkin Mortgage

Customers are treated like people
Considered options from over 35 lenders
Your needs and goals always come first
Experienced mortgage experts located in Toronto
Stable dedicated team to champion your finance approval

$1000 Cash Back or Free iPad When You Close With Us!

*Certain conditions may apply, ask a Turkin Mortgage Agent for more details.

Fast-Track Your Mortgage Approval

With us, investing in real estate is simplified, efficient, and fully aligned with your financial goals. Let’s make your investment property journey stress-free and rewarding.

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Plan Your Home Purchas with Our Mortgage Calculator

Turkin Investment Mortgage Benefits

What Toronto Homebuyers Say About Turkin Mortgage

Real experiences from Toronto residents who chose Turkin Mortgage for their home financing needs. Discover the quality and reliability of our services through their testimonials.

Ready to strengthen your investment strategy? Contact us to begin your application!

      
   Turkin Mortgage
   171 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Mariam Rojas 
 
 
 
 Trustindex verifies that the original source of the review is Google. So profesional and honest. They made a process that seemed stressful for me very easy. I would not go anywhere else!
  
 
      Posted on Google  
   
   Saraa alknakri 
 
 
 
 Trustindex verifies that the original source of the review is Google. We highly recommend Basma! This is the second time we’ve worked with her, and once again she provided outstanding service. She was patient, professional, honest, and always willing to answer our questions.

She clearly explained every step of the process and made everything easy to understand. Whenever we contacted her, she responded quickly and was always ready to help. Her dedication and expertise made the entire experience smooth and stress-free.

Thank you, Basma, for your excellent support and guidance. We truly appreciate all your hard work!
  
 
      Posted on Google  
   
   Jonathan Raymond 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience, always there each step of the way.
  
 
      Posted on Google  
   
   Oliver 
 
 
 
 Trustindex verifies that the original source of the review is Google. Turkin mortgage helped with refinance and it felt much less confusing than expected. The steps was clear, and the paperwork part got explained in simple way, so nothing felt missing.

Updates came fast on phone and email, not too many back and forth. Questions about term options got answered patient, with examples that make sense for normal life. Final closing went smooth and everything match what was said before no suprises. Would use again when next refinance time comes.
  
 
      Posted on Google  
   
   Rachel MacDonald 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend working with Leon Turkin! He was referred to me by my realtor and I am so glad we worked with him and his team! He made us feel confident going into the housing market and was always quick to answer questions and break down the numbers when we needed him. We were thankful to have his knowledge and support through the whole process right down to closing day! His assistant Vita was also wonderful and on top of everything throughout our home buying journey. Thank you so much for making what could have been a very stressful endeavor feel smooth and painless.
  
 
      Posted on Google  
   
   Kayla Hadden 
 
 
 
 Trustindex verifies that the original source of the review is Google. I honestly can’t recommend Leon highly enough – if I could give him more than 5 stars I would, easily a 10/10.

We were coming to the end of a fixed-rate period and our situation wasn’t straightforward (self-employed income, a slightly complicated credit history from years ago, and we really wanted to access the equity in our home while keeping the monthly payments affordable).

From the very first call, Leon was an absolute breath of fresh air.

His communication is second to none. No question was too small, no update too minor – he kept us in the loop every single step of the way with clear, jargon-free explanations. Emails were answered quickly (often within minutes), phone calls were always welcome, and he never made us feel like we were “just another file” on his desk.

What really stood out was his diligence and determination. This wasn’t a quick two-week remortgage – Leon worked on our case for over six months, constantly exploring new options as rates changed, chasing lenders when they were dragging their feet, and going above and beyond to find the perfect product that ticked all our boxes.

There were a few moments when we thought it might not happen, but Leon refused to give up and kept pushing until we got the outcome we wanted.

We’ll be using him again without hesitation and have already recommended him to friends and family. Thank you, Leon – you’ve made what could have been a stressful process completely painless!
  
 
      Posted on Google  
   
   Arthur IAKOUBOV 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an amazing experience with Turkin Mortgage! They got me a great rate, and the whole process was fast, easy, and stress-free. I truly felt like I was in good hands from start to finish. Highly recommend to anyone looking for a smooth mortgage experience!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Turkin Mortgage: Where You Matter

If you’re worn down by subpar service from banks and other brokers, we’re here for you. We offer premium service that the big banks just can’t deliver.

With experienced mortgage brokers located right here in Toronto we’re ready to help you achieve and exceed your goals.

3.79%

Hold rate for 120 days

YES

Cashback available

↑ 20%

Lump sum prepayment 20%

48H

Quick close, 48 hours

3.79%

FAQ

1. What's the difference between investment property mortgages and home loans?

Starting anew? Options include:

Portable mortgages: Move your current mortgage to a new home.
Bridge financing: Cover expenses between selling and buying.

Debt consolidation loans: Combine debts into your mortgage for easier payments.

We customize solutions to suit your new beginning.

2. What's the least I can put down for an investment property?

Concerned about initial expenses? For conventional investment properties, the minimum down payment is usually 20%. Some lenders might offer options as low as 15%, with mortgage insurance. There are also government-backed programs with varying rules - contact us for customized advice.

3. Why do investment property mortgages have higher interest rates?

Worried about costs? Interest rates for investment properties are generally 0.25%–0.75% higher than those for primary homes. This is due to the perceived risk from factors like vacancies, market fluctuations, and the challenges of being a landlord.

4. What paperwork is needed for an investment property mortgage?

Not sure where to start with the documents? Make your application process smoother with:

Income verification (pay stubs, tax returns).
Credit report (FICO score).
Property information (lease agreements, rental income proof).

Asset details (bank statements, investment accounts).

Our secure online portal simplifies document submission.

5. How can I increase my chances of getting a mortgage?

Anxious about approval? Improve your prospects by:

Reducing debt to lower your debt-to-income ratio.
Raising your credit score (target 700+).
Saving more for your down payment.

Preparing financial documents early.

We provide customized support to enhance your application.

6. What mortgage choices are there for investment properties?

Not sure which mortgage suits you? Explore options like:

Fixed-rate mortgages (consistent payments).
Adjustable-rate mortgages (ARMs) (initially lower rates).
Home Equity Lines of Credit (HELOCs) (using your home's equity).

Portfolio loans (flexible terms for special cases).

We connect you with the ideal choice from our network of 35+ lenders.

7. How do lenders evaluate potential rental income for mortgages?

Does rental income play a role? Typically, lenders consider 75% of the expected monthly rent to offset mortgage payments. Providing a lease agreement or market rent review can bolster your application.

8. Can rental income help me qualify for a mortgage?

Need rental income to qualify? Absolutely! Lenders might include up to 75% of rental income from a signed lease or past rental history (for refinancing) towards your eligibility. We'll assist in presenting this information effectively.

9. What's the best way to handle multiple mortgages?

Managing several properties?

Set up automatic payments to avoid late fees.
Keep track of expenses using apps or software.

Maintain a reserve fund for unexpected vacancies or repairs.

We offer access to financial tools and portfolio management services.

10. How do market shifts impact my investment mortgage terms?

Concerned about rising rates? With Adjustable-rate mortgages (ARMs), rates can change with the market, affecting your payments. Consider a fixed-rate mortgage for stability, or inquire about rate-lock options.

11. What risks should I be aware of before getting an investment mortgage?

Trying to avoid pitfalls?

Vacancy periods: Prepare for 1–2 months without tenants annually.
Interest rate hikes: Ensure your budget can handle increases.

Upkeep expenses: Plan to spend about 1% of the property's value each year.

We'll help you evaluate your investment to ensure it's sound.

12. How do I compare different investment mortgage products and rates?

Feeling lost with all the options? Focus on:

Interest rates (fixed vs. variable).
Associated fees (origination, appraisal, closing costs).
Early repayment charges.

Loan term flexibility.

With connections to 35+ lenders, we offer tailored comparisons.

13. What are the tax considerations for an investment property mortgage?

Looking to maximize tax advantages?

Deduct mortgage interest and property taxes.
Depreciation can reduce taxable rental income.

Capital gains tax applies upon selling.

Get advice from a tax professional - we can introduce you to reliable experts.

14. How do I calculate an investment property's cash flow?

Unsure about potential earnings? The formula: Cash Flow = (Monthly Rent – Mortgage Payment – Expenses) × 12 Don't forget to include vacancy rates, maintenance costs, and management fees. We're here to help with the math!

15. What if my investment property doesn't have tenants?

Concerned about vacancies?

Use an emergency fund (enough for 6+ months of payments).
Try short-term rentals as a temporary fix.

Discuss forbearance options with your lender.

We assist in creating a robust contingency plan from the start.

The Mortgage Brokers Blog

Discover the ins and outs of the Toronto mortgage scene with our expert guidance. From securing the best mortgage deals in Toronto to understanding local real estate dynamics, we've got you covered.

Turkin Mortgage Across Ontario

…by providing award winning customer service to each and every single client.

Toronto Investment Property Mortgage

Want to build wealth with real estate?

Discover the Best Mortgage Rates in Ontario

Access Competitive Rates from Top Lenders

Why Choose Us for Your Investment Property Mortgage

Banks

Turkin Mortgage

$1000 Cash Back or Free iPad When You Close With Us!

Fast-Track Your Mortgage Approval

Tell Us About Your Goals

Get Your Personalized Plan

Submit Your Application

Secure Approval & Close Confidently

Celebrate Your Investment

Plan Your Home Purchas with Our Mortgage Calculator

Turkin Investment Mortgage Benefits

Boost Your Income & Wealth Growth

Hassle-Free Approval for Everyone

Increase Your Investment Potential

Affordable Rates to Enhance Returns

Guidance From Start to Finish

Secure Investments for the Long Term

What Toronto Homebuyers Say About Turkin Mortgage

Turkin Mortgage: Where You Matter

FAQ

1. What's the difference between investment property mortgages and home loans?

2. What's the least I can put down for an investment property?

3. Why do investment property mortgages have higher interest rates?

4. What paperwork is needed for an investment property mortgage?

5. How can I increase my chances of getting a mortgage?

6. What mortgage choices are there for investment properties?

7. How do lenders evaluate potential rental income for mortgages?

8. Can rental income help me qualify for a mortgage?

9. What's the best way to handle multiple mortgages?

10. How do market shifts impact my investment mortgage terms?

11. What risks should I be aware of before getting an investment mortgage?

12. How do I compare different investment mortgage products and rates?

13. What are the tax considerations for an investment property mortgage?

14. How do I calculate an investment property's cash flow?

15. What if my investment property doesn't have tenants?

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