Your purchase funds
Savings, proposed borrowing and the money needed for closing and reserves.
Rental property mortgages · Ontario
Finance your next property with the whole portfolio in mind.
Whether you are buying your first rental or adding to a portfolio, we review the purchase alongside your income, existing mortgages and available funds. Your financing should support what you want to do next, too.
Discuss a rental purchase ↗Already own rental properties? →
Buying an investment property
The purchase and your existing financing belong in one plan.
A mortgage for the new property is only part of the work. We also review where the purchase funds will come from and how the proposed borrowing fits alongside the mortgages and other debts you already carry.
The rental mortgage
The property, rental income, proposed payments and mortgage terms.
What you already carry
Your existing mortgages, other debts and upcoming renewals.
One financing recommendationAssess the combined payments, costs and flexibility against your plans.
What Streetwise reviews
Advice built around the property, the numbers and your priorities.
Tell us what the investment needs to achieve and when. We use that direction to assess the financing and explain the trade-offs before you choose how to proceed.
Buying an apartment building? See multifamily financing →Income and the records behind it
We review your income and rental information, then identify the documents needed to support the financing application.
Mortgages and other debts
We assess existing borrowing alongside the proposed mortgage, including any borrowing intended to fund the down payment.
Terms that fit your plans
We compare payments, costs and flexibility in light of a possible sale, refinance or further purchase.
Complimentary advisory services
A plan for your purchase. A review of the properties you own.
Both start with your short- and long-term goals. The work differs according to whether you are planning a transaction or reassessing existing holdings.
Planning a purchase or strategy
Financing Roadmap™
We review your circumstances and property plans, then explain the financing recommendations and the steps to pursue them.
See what your Roadmap includes →
Reassessing existing holdings
Portfolio Financing Review
We examine each property’s value, debt, payments and rental income, then review the portfolio together. We look for opportunities to ease payment pressure or release capital where that supports your goals.
See how the portfolio review works →Request a portfolio review ↗
Renovating or preparing for another purchase
Plan when you need the money, as well as how much.
Property work can require funds before the rental income changes. Bring the proposed work, budget and timing into the financing discussion so we can assess the borrowing and payments through that period.
If you are considering refinancing to release capital, we review the costs and resulting payments alongside your next investment plans.
Discuss your property plans ↗Rental financing guides and tools
Prepare for your next financing decision.
Financing guide
How lenders assess rental income
Understand why rental income and mortgage qualification are not the same calculation.
Read the guide →
Financing guide
Using equity for another property
Work through the difference between equity, refinancing proceeds and the funds left after costs.
Read the guide →
Interactive calculator
Estimate a rental’s cash flow
Put rental income, operating costs and mortgage payments into one calculation.
Open the calculator →For guidance at each stage of building wealth through real estate, visit the Real Estate Wealth Map™ →
Talk to Streetwise
Tell us about the property and what you want to do.
Start with its location, your purchase or refinancing plans and any important dates. You do not need financial documents to get in touch.