Finance an income property and grow your real estate portfolio

Buying a multi-unit property is a proven strategy for generating stable rental income and growing your capital. With a multi-unit mortgage, you have access to specialized financing designed for properties with two or more units. This type of loan allows you to carry out a sustainable project, diversify your real estate investments, and optimize your portfolio.

What is a multi-unit mortgage?

A multi-unit mortgage is a mortgage loan intended for the purchase, construction, or refinancing of an income property with several residential units. Unlike a traditional residential mortgage, this product takes into account the property’s potential to generate rental income and the viability of your investment project.

Key features:

  • Down payment generally higher than for a primary residence
  • Projected rental income is included in the analysis of the file
  • Interest rates vary depending on the type of property, the size of the project, and your financial profile
  • Financing options with or without mortgage insurance depending on the value and risk

Why choose a multi-property mortgage?

With a multi-unit mortgage, you can:

  • Finance the purchase of a multi-unit rental property
  • Generate regular passive income from rent
  • Diversify your investments beyond traditional residential real estate
  • Take advantage of credit leverage to accelerate your capital growth
  • Optimize your real estate portfolio with a product designed for investors

The advantages of a multi-unit mortgage

Growth

Increase your assets and benefit from the long-term appreciation of your properties.

Diversification

Spread your investments across different types of properties.

Leverage

Maximize your investments with tailored financing

Flexibility

Access customized solutions from different mortgage lenders

Why work with us?

Our multi-unit financing specialists work with a vast network of mortgage lenders to find the best product for your project. Whether you are purchasing a duplex, triplex, building with eight or more units, or refinancing an existing building, we will guide you through every step of the process with personalized mortgage solutions.

Plan your project

Before you get started, use our mortgage calculator to estimate:

  • Your mortgage payments
  • Your potential rental income
  • The overall profitability of your project

This tool helps you compare mortgage rates, calculate your payments, and plan a solid investment.