{"id":1175,"date":"2026-04-13T10:00:00","date_gmt":"2026-04-13T10:00:00","guid":{"rendered":"https:\/\/www.lezgomez.ca\/blog\/?p=1175"},"modified":"2026-04-13T10:00:00","modified_gmt":"2026-04-13T10:00:00","slug":"investment-property-down-payments-in-ontario-get-your-mortgage-for-a-lillez","status":"publish","type":"post","link":"https:\/\/www.lezgomez.ca\/blog\/2026\/04\/investment-property-down-payments-in-ontario-get-your-mortgage-for-a-lillez\/","title":{"rendered":"Investment Property Down Payments in Ontario | Get Your Mortgage for a LilLez!"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lez\/investment-property-payments\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Ontario investors need 20%<br \/>\nOntario investment homes require 20% down, far above owner-occupied minimums.<br \/>\n5+ unit properties often need 25%\u201335% down, treated as commercial deals.<br \/>\nUnderwriting tighter: rental income discounted, stress test applies, higher credit scores expected.<br \/>\nHigher upfront cash concentrates investors, slows portfolio growth, shifts choices toward smaller rentals.<br \/>\nForeign-buyer ban runs until January 2027; policymakers signaled more tightening than easing.<br \/>\nI\u2019m seeing Ontario\u2019s 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.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ontario investors need 20% Ontario investment homes require 20% down, far above owner-occupied minimums. 5+ unit properties often need 25%\u201335% 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/posts\/1175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/comments?post=1175"}],"version-history":[{"count":1,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/posts\/1175\/revisions"}],"predecessor-version":[{"id":1177,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/posts\/1175\/revisions\/1177"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/media\/1176"}],"wp:attachment":[{"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/media?parent=1175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/categories?post=1175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lezgomez.ca\/blog\/wp-json\/wp\/v2\/tags?post=1175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}