Vacation & Secondary Homes
Lake life,
financed
beautifully.
Specialized financing for Lake Winnipeg cottages, four-season cabins, and secondary homes across Canada — with as little as 5% down.
Why this matters
Cottages and second homes have their own lender rules water access, road access, winterization, and zoning all matter. We've placed dozens of cottage mortgages on Lake Winnipeg, Whiteshell, and beyond, and we know exactly which lenders say yes.
Free 15-minute strategy call
No credit pull. No pressure. Just a clear answer to "what's actually possible for me?"
- What you get
Built around your numbers.
5% down (Type A) properties
Year-round, road-accessible, owner-occupied secondary homes can qualify with as little as 5% down.
Three-season cottage financing
Type B properties (seasonal access, no winter heat) — we have specialty lenders who fund these.
Vacation rental income
If you Airbnb the cottage, certain lenders will count that income toward qualification.
Bridge from main home
Use equity from your primary residence to fund the cottage — no need to liquidate investments.
- How it works
A calm, four-step path forward.
01
Property classification
02
Equity & income review
03
Specialty lender placement
04
Close & enjoy
- Vacation & Secondary Homes
Finance your getaway
- Common questions
Real answers,
no fine print.
Don’t see your question?
- Ask us directly.
Type A: year-round road access, full kitchen, heating. 5% down possible. Type B: seasonal or water access, no winter heat. Usually 20% down.
Yes but check zoning. Some lenders allow short-term rentals, others don't. We match you to the right one.
Only insofar as the second mortgage payment counts toward your debt ratios. We pre-model this so there are no surprises.
Ready to know your true number?
Fast. Free. No credit pull required.