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Featured Rates

FIXED RATE

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3.99%

5 YEAR

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VARIABLE RATE

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4.95%

5 YEAR

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We don’t work for banks. We work for you
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Toronto Investment Property Mortgage

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

Apply Now
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Based on 150 Verified Google Reviews

Expert Advice, Zero Pressure

Toronto Investment Property Mortgage

  • Quick, Simple and Secure!
  • No Credit Check Needed
  • No 100% Confidentiality
  • No Obligation and No Cost to You
  • Lowest Mortgage Rates
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Five yellow stars representing high ratings for Turkin Mortgage services in Newmarket, emphasizing customer satisfaction and trust in mortgage solutions.

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.
  • Quick, Simple and Secure
  • Fast Pre-Approval
  • No Obligation and No Cost to You
  • 100% Confidentiality
Apply Now
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Discover the Best Mortgage Rates in Ontario

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4.54%

1-Year Fixed Rate Mortgage

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3.65%

3-Year Fixed Rate High-Ratio Mortgage

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3.65%

5-Year Fixed Rate High-Ratio Mortgage

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3.90%

3-Year VRM Rate High-Ratio Mortgage

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3.54%

5-Year VRM Rate High-Ratio Mortgage

Icon of stacked coins and a dollar sign representing mortgage savings and financial solutions at Turkin Mortgage.

3.54 %

5-Year VRM Rate High-Ratio Mortgage

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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.

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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

  • Customers are treated like transactions
  • One set of products & policies
  • Lender needs come before yours
  • Long application processing wait times
  • Call centres and a revolving door of staff

VS

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

*Certain conditions may apply, ask a Turkin Mortgage Agent for more details.
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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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Step 1

Tell Us About Your Goals

Thinking about investing? Share what you’re hoping to achieve, and we’ll listen - no pressure, just a friendly chat about your options.

Step 2

Get Your Personalized Plan

We’ll pinpoint the best mortgage solutions for your investment dreams - explaining everything clearly so you’re always in the driver’s seat.

Step 3

Submit Your Application

Ready when you are! We’ll help you gather what’s needed and make the paperwork simple, so you don’t get bogged down in details.

Step 4

Secure Approval & Close Confidently

Sit back - we’ll work with lenders and guide you through each step, answering any questions so you feel supported from start to finish.

Step 5

Celebrate Your Investment

Congratulations! You’re now the proud owner of an investment property. We’ll always be here for advice, next steps, or your future mortgage needs.

Plan Your Home Purchas with Our Mortgage Calculator

Turkin Investment Mortgage Benefits

Boost Your Income & Wealth Growth

Discover customized mortgage options that enhance your rental earnings and expand your property holdings - accelerating your journey to financial independence.

Hassle-Free Approval for Everyone

No more paperwork stress. Our easy approval process accommodates self-employed individuals and unconventional incomes, opening up investment opportunities to a wider audience.

Increase Your Investment Potential

Leverage your assets for greater buying power. We guide you in planning, allowing you to grow your portfolio without compromising your savings.

Affordable Rates to Enhance Returns

Benefit from top-tier rates tailored for investors, reducing interest costs and maximizing your rental income - ensuring your properties yield more.

Guidance From Start to Finish

Get expert advice at every stage - from selecting the perfect lender to customizing your mortgage - minimizing risks and boosting your investment confidence.

Secure Investments for the Long Term

Feel secure with a strategy resilient to market shifts, featuring adaptable choices and continuous support - prioritizing your financial well-being above all.

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!

Five yellow stars representing high ratings for Turkin Mortgage services in Newmarket, emphasizing customer satisfaction and trust in mortgage solutions.

Based on 150 Verified Google Reviews

Five yellow stars representing high ratings for Turkin Mortgage services in Newmarket, emphasizing customer satisfaction and trust in mortgage solutions.

Based on 150 Verified Google Reviews

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%

house

48H

Quick close, 48 hours

3.79%

FAQ

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.

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