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:
Condominium units
Rental homes
Duplexes, triplexes, and quadruplexes
Borrow
WealthONE Residential Mortgage for Investment Properties
An innovative investment mortgage different than what you find at most Canadian banks, this mortgage is a loan directly against the property, instead of a business loan secured by the property. There are no limits on the number of properties you can own.
Our flexible mortgage options are customizable to your unique borrowing situation, starting at $500,000 and ranging up to $3 million.
With all of our mortgages, you can:
- Choose a weekly, bi-weekly, or semi-monthly payment plan
- Make the same payment amount throughout your term
- 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
A Fixed Rate Mortgage means no surprises
- Choose from 1 to 5 year terms
- You pay the same interest rate throughout your term
A Variable Rate Mortgage may save you money
- Choose from 3 to 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 fixed rate mortgage any time
Understanding Interest Rate Changes
Have a variable rate mortgage? Find out your options in a rising interest rate environment.
Applying for a mortgage is easy
Choose the option that works best for you:
Residential mortgages
Buy a Home
Purchasing a home can require flexible financing options, including a mortgage solution tailored to your unique homebuyer needs.
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.
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.
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** Interest rate compounded semi-annually, not in advance . Assuming no additional fees are charged, the Annual Percentage Rate is the same as the Interest Rate. The Annual Percentage Rate (APR) is calculated semi-annually and is based on a 25-year amortization period. All Rates are subject to 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.
WealthONE Bank of Canada is a Member of the
Canada Deposit Insurance Corporation (CDIC). Your deposits are eligible for CDIC insurance.
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