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Mortgage Squad Advisors
Toronto · OntarioInvestment

Investment property mortgages in Toronto.

Lenders with 100% rental offset, BRRRR refinances, DSCR products. Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich.

100% rental offsetBRRRRDSCRMLI Select
5-star rated| FSRA #13737| 50+ languages
Live math · Toronto
On a $1,150,000 Toronto home
Down payment
20% — min for investment property mortgages
$230,000
Mortgage amount
At 4.69% · 30-yr amort
$920,000
ON + Toronto MLTT
Provincial closing cost
$38,950
Est. monthly payment
Principal + interest only
$4,741/mo
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
Max LTV (1-4)
80%
Uninsured rental
MLI Select 5+
95%
With point-stack
Rental offset
100%
At specialty lenders
Amortization
30 yr
Uninsured / 50 yr MLI
Why Toronto clients choose us

Investment property mortgages — built for Toronto.

Same FSRA license. Same 50+ lender network. Same dedicated advisor model — applied to GTA's specific lender appetites and property types.

Up to 80% LTV on 1-4 unit rentals (uninsured)
Up to 95% LTV on owner-occupied 2-4 plex (house-hack strategy)
Up to 95% LTV on 5+ unit via CMHC MLI Select point-stacking
Lenders that use 100% rental offset (rare but powerful)
DSCR-style products — qualify on property cashflow, not personal income
BRRRR-friendly lenders who refinance at post-renovation appraised value
Multi-property portfolios — concurrent file coordination
Stress test optimization across personal residence + investment files
Holdco and Bare Trust mortgage structuring with accountant + lawyer
Maya AI runs cap rate, GRM, cashflow, and break-even models
Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

Investment property mortgages across Toronto

From Downtown Core to The Beaches — we know the local market, the typical investment property file size, and the lender appetites that fit each pocket of Toronto.

Downtown CoreEtobicokeNorth YorkScarboroughEast YorkForest HillLeslievilleThe Beaches
FAQ

Investment property mortgages in Toronto — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Any Canadian resident in Toronto who meets the standard investment property mortgages criteria — we help borrowers from Downtown Core, Etobicoke, North York and surrounding GTA. Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich.

Other mortgage solutions in Toronto

Same advisor team, full product menu — pick the one that fits your file.

All Toronto programs →

Investment property mortgages in other Ontario cities

Same product, different market — see how investment property mortgages look across Ontario.

Browse all Ontario

Ready to start your investment property mortgages in Toronto?

5-minute pre-qualification. No credit check to begin. Your dedicated GTA advisor responds within the next business hour.