Considering an Investment Property?
Start with the Right Mortgage

Investing in an income or rental property is exciting—but I know firsthand that choosing the right mortgage can make the difference between stress and long-term success. At Mortgages By Candice, investment mortgages are one of my specialties, and my goal is always to help you invest with clarity and confidence.

Whether you’re purchasing a property for rental income, long-term appreciation, or future resale, investment property mortgages typically require a minimum 20% down payment. From there, structuring the mortgage correctly can have a significant impact on your cash flow and overall return on investment.

I work with a wide network of lenders—not just one—which allows me to explore flexible mortgage solutions tailored specifically to your goals. By comparing multiple lending options, I make sure you’re matched with a mortgage that truly supports your investment strategy.

Because I have access to competitive lender pricing, even a small difference in your interest rate can lead to substantial savings over the life of your mortgage—helping you build wealth more efficiently and with greater peace of mind.

With extensive industry experience and a client-first approach, I’m here to guide you every step of the way.

Invest with confidence. Reach out today or apply online to begin a smooth, transparent, and stress-free mortgage experience—there’s no cost and no obligation.

What an Investment Property Mortgage Can Offer You

An investment property mortgage can provide flexibility and long-term value, including:

Options for fixed or variable-rate mortgages
Competitive rates (some lenders may apply a small premium)
Financing of up to 80% Loan-to-Value (LTV)
Extended amortizations, depending on lender qualifications

Designed to Support Your Investment Goals

With my guidance, you can:

Purchase or refinance an investment property up to 80% LTV
Access competitive interest rates
Benefit from lower monthly payments through longer amortizations
Secure financing in a cost-effective and strategic way
Enjoy the simplicity of one mortgage and one monthly payment

Understanding “Traditional” Investment Property Mortgages

Investment property mortgages are often referred to as traditional or conventional mortgages. This means they require a minimum 20% down payment and do not require mortgage default insurance.

Without insurance premiums, you gain access to greater flexibility, more lender options, and often better long-term value compared to high-ratio mortgages.

How Investment Properties Affect Your Mortgage Rate

Many lenders offer competitive rates on investment properties, sometimes with a modest premium. I compare rates across multiple accredited lenders and leverage available pricing advantages to secure the most competitive option for your specific situation.

Guidance You Can Rely On

If you have questions or want help navigating the details, I’m here to support you and simplify the process.