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You don’t have to let a good opportunity pass you by

When an investment opportunity arises, an investment financing option can mean the difference between seizing the moment and letting it slip away. 

At Alpine Credits, we provide a fast and easy way to leverage your home equity to fund your investment activities. Whether it’s acquiring additional rental properties or building your investment portfolio, tapping the equity in your home can be a good way to reach your financial goals sooner. 

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What are investment loans?

When an investment opportunity arises, an investment financing option can mean the difference between seizing the moment and letting it slip away. 

At Alpine Credits, we provide a fast and easy way to leverage your home equity to fund your investment activities. Whether it’s acquiring additional rental properties or building your investment portfolio, tapping the equity in your home can be a good way to reach your financial goals sooner. 

How does an investment loan work?

An investment loan works just like any other loan, but the main difference is the purpose. Upon approval, lenders will give you a lump sum to be repaid with interest in an agreed payment schedule and term.  

With an investment loan, you are borrowing to invest in an asset that generates additional income. In contrast, a traditional mortgage is primarily used for home ownership, which means buying your principal residence.  

Traditional investment loans from banks can have a stricter application and approval process. This is where alternative lenders, like Alpine Credits, come in.

Banks vs alternative lenders for investment loans

Investment loans can be more expensive to secure in terms of interest and fees than traditional mortgages. In addition, banks and credit unions can have stricter approval criteria, such as excellent credit scores, strong financial history, and stable income. 

In contrast, alternative lenders focus on other factors and can provide faster approval, which could mean an early start to getting compounded returns on your investments. For example, Alpine Credits focuses on your home equity rather than your credit history. 

With a home equity loan from Alpine Credits, your home is the collateral. Since the loan will be secured, borrowers can pay interest payments at a lower interest rate than an unsecured personal loan used for investments.

Types of investment loans

There are two main types of investment loans, each with different uses: 

  • Investment loans for financial instruments: Financial instruments include stocks, bonds, and mutual funds. Investing in financial instruments requires proper planning and investment advice from expert financial advisors. 
  • Investment loans for real estate or rental property: Investing in real estate or rental property might be another option. Some homeowners may obtain an investment loan to pay a down payment for an investment property where they can earn extra income. 
Loan agent explaining an application.

Benefits of investment loans  

Investment loans can be more expensive to secure in terms of interest and fees than traditional mortgages. In addition, banks and credit unions can have stricter approval criteria, such as excellent credit scores, strong financial history, and stable income. 

In contrast, alternative lenders focus on other factors and can provide faster approval, which could mean an early start to getting compounded returns on your investments. For example, Alpine Credits focuses on your home equity rather than your credit history. 

With a home equity loan from Alpine Credits, your home is the collateral. Since the loan will be secured, borrowers can pay interest payments at a lower interest rate than an unsecured personal loan used for investments.

Reach your financial goals faster with investment loans 

If you save money to invest later, you may miss out on market opportunities that can give you greater returns. With an investment loan that allows you to purchase more investments than you could with your savings, you can increase your investment capacity.

Maximize your investments while maintaining your liquidity  

A lump sum investment can start the compounding process immediately while freeing up your savings for other uses, like a vacation or home renovation. 

Allow for tax deductions on your investment

In Canada, the accrued interest on investment loans is tax deductible. This means you can write off the interest you pay on an investment loan if you generate income, such as dividends or interest. 

Check with your accountant or financial advisor to ensure your investment fits this scenario. Seeking investment advice before diving into borrowing to invest is a smart choice. 

How to apply for investment loans as a Canadian homeowner

When it comes to investment opportunities, you need to move quickly. Alpine Credits can help you secure the investment funding you need in 3 simple steps: 

  1. Apply online: Answer a few simple questions to see how much you qualify for. There’s no obligation, and it won’t affect your credit score.   
  2. Get approval: Unlike traditional banks, you only need to own your home to qualify for a loan at Alpine Credits. Once qualified, one of our lending specialists will help you customize your loan details. During this step, it is essential to present some documents, which include identification, proof of income, and your property and mortgage information.   
  3. Funding: Review and sign the loan agreement once you have your approval. Funds are deposited directly into your active bank account within a few days to a week.
An applicant applying for an investment

Alpine Credits: Securing investment loans for Canadian homeowners 

When the right investment opportunity arises, you should be able to grab the opportunity to achieve your financial goals. 

Alpine Credits allows you to tap into your home equity to secure funding. Unlike traditional banks, all you need to qualify for a loan at Alpine Credits is to own your home, regardless of your credit history, age, or income. 

Apply for an investment loan from Alpine Credits today. 

Frequently asked questions

Yes, you can get a loan for an investment. At Alpine Credits, we offer investment loans through your home equity so you can get the funds you need to make that investment. 

There are a few options for getting an investment loan. You can go through a bank, but the process can be long and tedious. Another option is to go through a lender like Alpine Credits and apply online. 

To qualify for an investment property loan from Alpine Credits, you must own your home. We accept applications from people with bad credit or limited credit history, so you don’t need to worry if you don’t have a perfect credit score.

There is no definitive answer to this question. Some people prefer a home equity loan because it is a low-interest rate loan with flexible terms. Alpine Credits offers home equity loans for an investment property, and we’re here to assist you in making your investment goals a reality.

There are many advantages of using an investment loan, but some of the most notable are:
• You can use the loan for any purpose related to your investment property, such as repairs or renovations.
• You can use the loan to purchase a property, even if you don’t have the cash available upfront for a down payment or other closing costs.
• The interest rates on investment loans are usually much lower than credit card interest rates thanks to Alpine Credits home equity loans.

To buy an investment property with a home equity loan with Alpine Credits, you must own your primary residence and have enough equity to cover the amount you want to borrow. All you have to do is fill out our online application, and we’ll get back to you within 24 hours.

Your interest on your investment loan can be claimed as a tax deduction. You may contact a tax accountant or financial advisor to learn more about the tax benefits you can claim on an investment loan. 

**The above chart entitled “Monthly Loan Payments on $35,000” is for discussion purposes only. The graph is intended to illustrate various monthly payments associated with different product offerings to the reader. Please see below for the unique terms and conditions related to each offering. Final rates and payments for all loans in question are subject to change and vary based on each individual’s situation.
Bank Loans: $35,000 interest-only loan with fixed rate prime (2.95%) + 3% / monthly payment. Two-year term in which 100% of principal is owed at the end of the term. Other fees (appraisal/legal) may apply.
Alpine Credits 1st Mortgage: $40,500 (net $35,000) interest-only loan with 5.75% interest rate in year one and prime + 4.00% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Alpine Credits 2nd Mortgage: $40,500 (net $35,000) interest-only loan with 8.75% interest rate in year one and prime + 6.05% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Credit Cards: $35,000 loan paid off in 5 year & monthly PMT. 19.99% interest rate & fee of primary and secondary user ($99 + 30$ = $129 Yearly).
Online Loan 1: $35,000 loan paid off in 46 Months/Bi-weekly PMT with a 26.90% interest rate. Loan details have been taken directly from the online lending company’s website. Other fees may apply.
Online Loan 2: $35,000 loan paid off in 4 Years/Bi-weekly PMT. Loan details have been taken directly from the online lending company’s website. Other fees may apply.