🏘️ Real Estate Investing in Canada: Best Mortgage Options for Fall 2025

1. The 2025 Market Outlook for Investors

As of September 2025, the Bank of Canada has maintained its key lending rate, signaling a cautious yet steady approach. Fixed rates remain between 4.7%–5.3%, while variable options hover near 5.8%.

While higher borrowing costs have cooled speculation, rental markets are thriving, especially in major cities like Toronto, Vancouver, and Calgary, where supply shortages are driving up rents.

For investors, this means one thing: positive cash flow is still achievable with the right mortgage plan.

2. Top Mortgage Options for Real Estate Investors

a. Conventional Investment Property Mortgage

For buyers with 20% or more down, a conventional mortgage offers lower rates and no CMHC insurance premium. This option suits investors buying single-family rentals or duplexes for long-term hold.

Ideal for: Experienced investors with solid credit and cash reserves.
Best feature: Lower monthly payments and flexible amortization periods.

3. Tips for Securing the Best Investor Mortgage in Fall 2025

• Compare lenders — Banks, credit unions, and private lenders all offer different investor programs.

• Prepare financial documents early — Income verification, rent rolls, and property appraisals speed up approvals.

• Lock in short-term fixed rates — Expect potential rate cuts in 2026, so shorter terms may offer flexibility.

• Consult a mortgage broker — RateShop Mortgage connects you with Canada’s top lenders for investor-friendly financing.
  
  

4. Why Work with RateShop Mortgage

At RateShop.ca, we specialize in helping investors structure their financing strategically. Whether you’re buying your first rental or expanding your commercial portfolio, we help you compare over 50 lenders to find the best mix of rate, term, and flexibility for your investment goals.