If you’ve owned your home for even a few years, chances are you’re sitting on one of the most powerful tools to build wealth for yourself and your family: home equity. With the market evolving and the cost of living continuing to rise, now may be the ideal time to put that equity to work by investing in an income-generating property.
What Is Home Equity?
Home equity is the difference between your home's current market value and the balance remaining on your mortgage. If your property has appreciated in value over the years and you've been steadily paying down your loan you may have access to tens or even hundreds of thousands of dollars in equity.
This can be accessed through:
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A Home Equity Line of Credit (HELOC)
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A mortgage refinance with equity take-out
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A second mortgage
Why Use Your Equity to Buy an Investment Property?
Real estate has long been one of the most effective ways to build long-term wealth. By using your home equity as a down payment on an investment property, you can:
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Create monthly rental income to offset the new mortgage
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Grow your net worth through property appreciation
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Leverage tenants to help pay down the loan
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Potentially benefit from tax deductions related to owning rental property
Planning for Your Family’s Future
This isn’t just about today it’s about tomorrow too. Investing in a rental property can create a safety net or income stream that supports:
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Your children’s education
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Their first home purchase
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Your retirement lifestyle
Think of it as planting a tree that will continue to grow and provide shelter for generations to come.
Why Now?
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Rental demand is high well-located properties are moving quickly
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Interest rates remain historically reasonable, especially when offset by rental income
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Home prices are stabilizing, creating a rare window of opportunity
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Waiting may mean missing the ideal combination of equity access and inventory
What to Consider Before Investing
This strategy isn’t for everyone, so a thoughtful approach is key:
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Speak with a mortgage specialist to understand your borrowing power
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Plan for all costs: property taxes, maintenance, insurance, and potential vacancies
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Focus on strong-growth areas with low vacancy rates and rental demand
How We Can Help
We work with clients every day who are looking to grow their real estate portfolios or set their children up for future success. Whether you're considering a condo in the core or a duplex in a family-friendly neighbourhood, we have the local expertise, connections, and proven strategies to help you invest wisely.
Ready to explore your options?
Let’s build a plan that makes your equity work harder, for you, and for your family’s future.
📞 Reach out anytime, we’d love to chat!
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