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Specializing in mortgages for real estate investors

When you invest in real estate in Canada, you may need flexible financing options, including a mortgage solution tailored to your specific property type, including:

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Condominium units
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Rental homes
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Duplexes, triplexes, and fourplexes
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What is an investment property mortgage?

Canada enjoys one of the strongest real estate markets in the world and according to a 2023 Royal LePage/Leger survey1,  1 in 4 Canadians intend to buy an investment property in the next five years.

“We know that the value of home ownership is strong among Canadians – it is clear that possessing real estate remains a desirable means for building wealth over time. Many choose to invest in real estate not only as a way of generating income and reaping the benefits of value appreciation, but to provide an opening into the market for future generations of their family, ” said Phil Soper, president and CEO, Royal LePage.

One of the primary benefits of working with WealthONE is the increased flexibility and expertise we offer. Borrowers who may be considering purchasing investment property can often find a viable option with WealthONE.

Our Common Sense Lending™ approach and our highly experienced underwriters can help you get approved for an investment property mortgage…so come tell us your story.


With all our investment mortgages, you can:
  • Choose a weekly, bi-weekly, semi-monthly or monthly payment plan
  • Make an annual lump sum payment of up to 20% of your original mortgage principal
  • Increase your regular payments once a year by 20% without penalty
  • Finance investment properties in all Canadian provinces (ex PQ)
A Fixed Rate Mortgage means no surprises
  • Choose from 1 to 5 year terms
  • Enjoy peace of mind, knowing that you have a predictable mortgage payment that won't fluctuate with interest rate changes
  • Providing you with the security of knowing precisely how much your payments will be throughout the entire term
A Variable Rate Mortgage may save you money
  • Choose from 3 or 5 year terms
  • Your interest rate may change throughout the term
  • If your interest rate goes down, you’ll pay down more of your principal
  • If your interest rate goes up, you’ll pay more interest
  • You can convert to a 3 or 5 year fixed rate mortgage any time
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Understanding Interest Rate Changes

Have a variable rate mortgage? Find out your options in a rising interest rate environment. 

Fixed Rates

Rates effective as of 2024-7-15
*WealthONE Prime Rate: 7.45%
Below rates apply to investment properties only***

6.74%
(1 yr closed)

6.64%
(2 yr closed)

6.44%
(3 yr closed)

6.64%
(4 yr closed)

6.34%
(5 yr closed)

APR**

8.05%
(1 yr closed)

7.31%
(2 yr closed)

6.90%
(3 yr closed)

6.99%
(4 yr closed)

6.62%
(5 yr closed)

Variable Rates*

Rates effective as of 2024-6-11
*WealthONE Prime Rate: 7.45%
Below rates apply to investment properties only***


7.20%
(3 yr closed)

7.20%
(5 yr closed)

7.64%
(APR**, 3 yr closed)

7.47%
(APR**, 5 yr closed)



1 An online survey of 1003 Canadians 18+, who own one or more residential investment properties, was completed between March 2, 2023, and March 17, 2023, using Leger’s online panel. No margin of error can be associated with a non-probability sample (i.e., a web panel in this case). For comparative purposes, though, a probability sample of 1003 respondents would have a margin of error of ±3%, 19 times out of 20. N.B.


* Variable interest rates will change as WealthONE’ s prime rate changes.
** APR (Annual Percentage Rate) is calculated semi-annually and includes any applicable fees such as application fees or administrative fees. The APR figures above are based on the following: 

  • A mortgage amount of a $150,000 with a 25-year amortization period;
  • 1% application fee of $1500 and Ontario FCT fee (First Canadian Title fee) of $378.12;
  • Application fee and closing fee may vary based on loan amount and province.

***For properties that are owner-occupied, deduct 0.25% from all rates.

General Mortgage Rate Information:

  • Interest rates are compounded semi-annually, not in advance. Assuming no additional Cost of Borrowing fees are charged, the Annual Percentage Rate (APR) will be the same as the Interest Rate.
  • APR reflects the total interest amount the borrower will pay annually based on the total loan amount. For instance, a lower APR could in turn result in the borrower having lower mortgage payments.
  • All Rates are subject to the borrowers meeting WealthONE Bank’s lending criteria (this may include your credit score, income and property location) and are subject to change without notice.
  • Residential lending rates are determined on a case-by-case basis, which allows us to offer you competitive options for your specific needs.
  • Working with a mortgage broker will ensure you have all the information you need to make an informed decision on the option that is right for you.

Applying for a mortgage is easy

Choose the option that works best for you:

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Residential mortgages

Buy a Home

Purchasing a home can require flexible financing options, including a mortgage solution tailored to your unique homebuyer needs.


Purchase a home or refinance with a WealthONE residential mortgage
Commercial Mortgages

Buy a Business Property

If you’re looking to purchase a location for your business, whether it’s a small office building, a retail location, or a light industrial complex, find a mortgage solution customized to your specific business mortgage needs.


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Become a partner

Mortgage brokers and real estate professionals: partner with us

If you're looking for that unique financial institution that will see your client's story beyond the numbers on the paper, consider WealthONE as your mortgage lending partner.

Mortgage Calculator

Use the mortgage calculator to determine how much you can borrow and to estimate your monthly mortgage payments.

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only.