Rental Properties

Explore your income opportunities with smart investments

Investment properties can be a valuable addition to your portfolio, offering opportunities and benefits. Get Started Today

An investment property is essentially real estate purchased with the primary goal of generating income or seeing it appreciate in value over time. Unlike your primary residence, which is for personal use, investment properties are a strategic financial move. These properties can come in various forms, from residential homes and multi-family units to commercial buildings or vacant land. The aim is not to live in them but to make your money work for you.
Why Consider an Investment Property?
Rental Income

Dive into investment properties for reliable rental income. Imagine tenants’ payments covering mortgages and property maintenance, possibly leaving a surplus profit. It’s a practical way to secure cash flow and build wealth.

Appreciation

Investment properties offer the opportunity for asset appreciation over time. As property values increase, so does your investment’s worth, potentially leading to substantial returns in the long run.

Diversification

Property investment offers a distinct asset class, providing stability amidst market fluctuations. Unlike stocks or bonds, real estate investments offer a hedge against volatility, contributing to a balanced portfolio strategy.

Tax Benefits
Deductions for mortgage interest, property taxes, and depreciation can lower your tax liability, providing potential savings and enhancing the financial appeal of property ownership.

How we will help you Venture into the World of Investment Properties

Owning an investment property can be a potential headache for homeowners if tenants are difficult, or costs of initial investments and renovations are too high. That is why we are here to help guide you to make the headaches disappear. Some of the important details we will guide you through include:
Competitive interest rates and application fees
Payment flexibility that comes with amortization
Types of amortization schedules 
Any debt coverage ratio requirements 
Tax repercussion and benefits 
Real estate administrative tasks/costs
Risk management 

Investment properties can be a valuable addition to your portfolio, offering opportunities for rental income, appreciation, diversification, and tax benefits. However, a successful property investment requires careful planning, thorough research, and a clear understanding of market dynamics and property management. By working with HM Mortgages, we can work together to set clear goals, and conduct detailed research so you can confidently navigate the world of investment properties and potentially reap the rewards of a sound real estate investment strategy.

What can we help you with?

Own a business?

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Self-Employed

Newcomer to Canada?

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New to Canada

Facing bad credit issues?

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Buying a rental property?

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Rental Properties

Buying a property?

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