Investment Property Mortgage in Edmonton, AB

Build Your Real Estate Portfolio With the Right Mortgage Strategy.

Edmonton is one of Canada's most accessible real estate investment markets. With benchmark single-family prices meaningfully lower than Vancouver or Toronto, and a strong rental market driven by population growth and university demand, Edmonton attracts real estate investors from across Alberta and beyond.


Getting the financing right is where most investors either succeed or limit themselves. Investment property mortgages have different rules than principal residence mortgages — higher down payment requirements, different income qualification standards, and significant variation in how lenders calculate rental income. These details determine how much you can borrow and how quickly you can grow your portfolio.


I am Sarah Hainsworth, an independent mortgage agent based in Edmonton. Real estate investment financing is one of my specializations. I understand how different lenders treat rental income, how to structure your application for maximum qualifying power, and how to think about your mortgage as part of a longer-term portfolio strategy rather than just a single transaction.


Key Considerations for Investment Property Mortgages in Alberta

  • Minimum 20% down payment required for most investment properties
  • Rental income treatment varies significantly by lender — some use 50% of rental income, others use 80% or full rental income offset depending on the program
  • Your existing rental portfolio affects how subsequent purchases are qualified
  • Lender selection matters more for investors than for any other borrower type
  • Insured mortgages are generally not available for investment properties
  • Some lenders restrict the number of rental properties they will finance per borrower


I work with Edmonton and Alberta investors at every stage — from first rental property to multi-property portfolios. Book a free call and I will review your current financial position and map out a mortgage strategy for your next acquisition.