This is the property that you plan on living in as your main residence. In Ontario, the minimum down payment is 5% for houses under $500k, then 10% on any amount between $500k and $1M, and 20% for homes over $1M.

This is a secondary property that you plan to use only recreationally or for family members, but not live in full time as your primary residence. This type of property isn't intended for rental purposes. The down payment rules in most cases are the same as your Primary Home.

This is a home that you buy as an investment, with the intention to rent it out on a regular basis. The minimum down payment for rental properties is 20% of the purchase price.

Building your own custom home is usually done through a "draw mortgage". With these, the mortgage lender advances just some of the total mortgage amount at a time once it's confirmed that the build is advancing as scheduled. 

This is a mortgage that allows you to buy that fixer upper and add the cost of the expected renovations to your total mortgage amount, so long as you qualify for the total amount.

This is a mortgage that lets you borrow some or all of your down payment amount from a different credit source, like a line of credit or loan. Not all borrowers will qualify for this type of program.

This is a mortgage program that lets borrowers who maybe show a modest income but have both significant provable liquid assets and strong credit scores borrow the money they need to complete their home purchase.

We understand that self-employment often means there's a more unique income structure. Business for self mortgage products allow for this flexibility, as long as the overall story makes sense.