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Own Your Dream Vacation or Second Home

Flexible mortgage solutions with expert guidance from Suganthan

Imagine your perfect getaway property. Now let’s make it happen.

Whether you’re dreaming of a peaceful lakeside cottage, a modern ski chalet, or a second home near family or work — I’ll help you finance it with ease and confidence.
As an experienced mortgage broker, I help Canadians secure flexible, affordable financing for vacation homes, second properties, and income-generating getaways — even when banks say “no.”

Why Invest in a Vacation or Second Home?

  • Enjoy weekends away or extended vacations on your own terms
  • Provide a comfortable space for family and friends
  • Generate rental income (short-term or long-term)
  • Build wealth through property appreciation
  • Create cherished family memories
Whether your goal is personal enjoyment, family connection, rental income, or long- term investment — owning a second property can be a smart and rewarding move.

Common Challenges Buyers Face — I Help You Solve Them

Unclear about minimum down payment and financing rules

Worried about financing seasonal or recreational properties

Unsure which lenders accept second homes or rental pools

Don’t know whether to refinance their primary home for the purchase

That’s where I come in. I’ll help you understand all your options and choose the best path forward — so you can buy with clarity and confidence.

Your Financing Options

  • Year-round accessible home (fully serviced, utilities, road access)
  • Available with as little as 5% down
  • For personal or family use
  • Use a mortgage broker to access multiple lenders and find the best rate.
  • Ask about rate holds to lock in a lower rate
    for up to 120 days.
  • Some lenders will finance up to 65% loan-to-value
  • Case-by-case approval — I’ll structure the deal and guide you through it
  • Note: Timeshare properties generally not eligible
  • Refinance your existing home to release equity
  • Often provides better terms than a standalone mortgage
  • Flexible strategies to fit your overall financial picture

Why Work with Me?

  • Over 18 years of mortgage experience
  • Deep knowledge of second-home and vacation property financing
  • Full access to both bank and alternative lenders
  • Personalized advice — I work for YOU, not the bank
  • Fast, responsive service — online, by phone, or in person
  • Trusted by families, professionals, and investors across Canada
You deserve a trusted partner who can navigate the details and get your deal done — I’m here to make it happen.

Client Success Stories

Your story can be next.

Client Success Stories

Your story can be next.
“We thought financing a seasonal cottage would be impossible — Suganthan got us approved at a great rate.”
“We used our home equity to buy a second home near our family. Smooth, stress-free experience.”
“Suganthan explained everything clearly — we knew exactly what to expect.”

How to Get Started

  • Step 1: Book a free consultation — no obligation
  • Step 2: Apply online — secure and simple
  • Step 3: Get pre-approved — know your buying power fast

Don’t Wait — Your Dream Property is Within Reach

With property values continuing to rise, owning your vacation or second home today can offer both lifestyle and financial rewards.
Let’s explore your options — and make your dream a reality.
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