Choose your settings

Real estate and rental property financing

Learn about our financing options for residential and commercial rental properties.

Who is this for?

If you own a multi-unit residential rental property or a commercial or industrial property, or are planning to build one, we offer financing tailored to your needs.

Types of real estate financing

Whether you’re a real estate developer or looking for an investment property, our team can guide you through the financing process. We’ll help you choose the best options for your business.

Residential and semi-commercial rental property financing

  • Conventional long-term financing
  • Insured long-term financing with the Canadian Mortgage and Housing Corporation (CMHC)
  • Construction financing

Commercial rental property financing

For retail, industrial or office buildings and seniors' residences.

  • Conventional long-term financing
  • Construction financing

Construction and resale financing

  • Financing for condominium construction
  • Financing for operative builders
  • Financing for land acquisition or subdivision

Good to know

You can use direct withdrawal to automatically collect rent from your tenants.

Insurance for your real estate business

As a property owner, you want to be prepared for the unexpected. From damage caused by tenants to incidents like fires, water leaks and vandalism, we can help you protect your business.

Do you have multiple properties in different locations? You could get a discount if you insure them under the same policy.

Support for your real estate projects from EspaceProprio

Get quick access to a network of professionals to help with all your real estate needs: 

  • Selling without an agent
  • Buying and selling with a broker
  • Turnkey service for renovation and maintenance projects

FAQ

Other than using your own funds,  mortgage financing is the main way to acquire a rental property. Other forms of financing, like loans or lines of credit can also facilitate your purchase. For example, they can help you pay for renovations or equipment for your new property.

It could take a few weeks to several months to get financing for a commercial real estate project. It depends on several factors, including the scope of your project, the complexity of your file and any stakeholders that are involved (such as the city, architects or CMHC).

A financing plan outlines what funds you already have and what financing you need for your real estate purchase.

Contact your advisor to develop a plan that works for your business.

Mortgage rates for rental properties vary based on many factors, including what type of collateral you're using and whether you have mortgage insurance.

Contact your advisor to learn more about how rates are calculated.

Get these solutions for your business

Contact your account manager for personalized assistance.

If you don't have an account manager, contact our team.

Or we can call you when it's convenient.

More solutions for businesses