Cottage Financing
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 it’s a cozy cottage by the lake, a ski chalet, or a second home closer to family or work — I’ll help you finance it with ease and confidence. I specialize in helping Canadians secure the right
mortgage for vacation homes, second properties, and income-generating getaways.
Why Finance a Vacation or Second Home?
- Create lifelong family memories
- Diversify your real estate investments
- Build long-term wealth through property ownership
- Enjoy your own private retreat anytime
Common Challenges Buyers Face
- Unsure how much down payment is required
- Don’t know which lenders will approve seasonal-use or vacation properties
- Confused about second home vs. rental property rules
- Not sure if they should refinance their primary home to access funds
I Make It Simple — Here’s How:
Second Home Mortgages
- Year-round accessible homes
- As little as 5% down in many cases
- Owner or family use only
Vacation & Recreational Property Mortgages
- Seasonal-use properties (minimum 20% down typically)
- Must meet basic property standards (utilities, road access, etc.)
Rental Pool & Resort Properties
- Financing available with specific lenders
- Typically up to 65% LTV
- Case-by-case structuring required
Leverage Home Equity
- Use your existing home equity to fund your vacation property
- Often better terms than a standalone mortgage
Why Work with Suganthan?
- 18+ years of mortgage experience
- Trusted by thousands of Canadian families
- Deep knowledge of second-home and vacation property financing
- Personalized advice — I work for YOU, not the bank
- Full access to both traditional (bank) and alternative (non-bank) lending options
- Fast, responsive service — online, phone, or in person
Budget for closing costs
Set aside 1.5–4% of the purchase price.
Get preapproved
Know your budget and lock in your interest rate.
Work with professionals
Choose an experienced mortgage broker and real estate agent.
Check your credit
Better scores mean better mortgage terms
Think long-term
Choose a property that fits future needs too.
Real Client Success Stories
- “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.”
Ready to Explore Your Options?
- Book a free consultation — no obligation
- Apply online — secure and simple
- Get pre-approved — know your buying power fast
Don’t Miss Out on Your Dream Property
Property values continue to climb — and the right vacation or second home can deliver both lifestyle
and financial rewards.
Let’s get started today.