Investment Property Down Payments in Ontario | Get Your Mortgage for a LilLez!

Ontario investors need 20%
Ontario investment homes require 20% down, far above owner-occupied minimums.
5+ unit properties often need 25%–35% down, treated as commercial deals.
Underwriting tighter: rental income discounted, stress test applies, higher credit scores expected.
Higher upfront cash concentrates investors, slows portfolio growth, shifts choices toward smaller rentals.
Foreign-buyer ban runs until January 2027; policymakers signaled more tightening than easing.
I’m seeing Ontario’s investment-property financing stay much stricter than for primary homes. Bigger down payments and tougher underwriting are shaping who can invest, what they buy, and how portfolios grow.