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London, ON, N6E 2X9


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Can I Get Financing for a Cottage in Ontario?

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Can I Get Financing for a Cottage in Ontario?

Mike De Sousa

Cottage Life

Finally, it’s that time of year where snow is but a distant memory, everything is in bloom and we’re all getting ready for the beautiful summer season in London, Ontario. And with the arrival of summer comes a very special time for Ontarians: weekends at the cottage.

Whether it’s your parents’ cottage, your co-worker’s cottage or even a friend-of-a-friend’s cottage, it seems like everyone has a go-to getaway that’s perfect for meeting up with friends and family, enjoying the great outdoors and leaving all the city troubles and stress behind. As great as it is to camp out at someone else’s cottage, there’s nothing like having one to call your own. But before you start packing the bug spray and stocking up on firewood, it’s important to realize that there are a number of different conditions when it comes to financing a recreational property.

Does the property you’re looking at have year-round access? Is there a poured foundation (above the frost line)? Are you connected to municipal resources? These are just some of the elements that go into determining the financing and insurance terms of vacation properties. As a recent article notes, while the Muskokas are fast becoming a financial stretch for most families, there are still a number of affordable, lake-front plots and properties if you’re looking for a piece of paradise to call your own. Since the downpayment on a vacation property is typically more than, say, your primary residence, you might want to opt for a cheaper alternative. The good news is that low interest rates and a balanced housing market make for ideal conditions if you are looking into getting financing for a recreational property.

While London, Ontario is a pretty exciting place to spend you summer months, with all the festivals, concerts and events, it’s still those moments at “the cottage,” that create memories to keep you warm in the winter months. If you’re interested in getting approved for a mortgage for a cottage or second property, contact us so we can set up a time to sit down and come up with a way to structure the financing to make your dreams of escaping to your very own cottage this summer come true!