Rural Mortgages.
Rural Mortgage Solutions Made Simple.`
Private Mortgage Lender & Broker Advisory Services.
Serving Ontario & British Columbia.
What is a rural Mortgage?
Mortgages for rural homes.
A rural mortgage is a specialized home loan designed for properties located outside major urban centers, the small towns, countryside, and agricultural communities that make up much of Canada. Unlike standard city mortgages, a rural mortgage takes into account the unique features of country living: larger lots, hobby farms, acreage, and homes that may be further from traditional amenities. At DV Capital, we understand that financing a rural property isn’t always straightforward. Many mortgage brokers and traditional lenders hesitate with non-urban properties because they view them as “higher risk” due to resale markets, zoning, or unique property types. That’s where we come in. Our common-sense lending approach allows us to provide tailored rural mortgage solutions that work for your lifestyle and financial goals. Whether you’re purchasing your first rural home, refinancing an existing property, or looking to finance vacant land for future construction, a rural mortgage through DV Capital opens the door to country living without the financing roadblocks.
rural mortgage Lender.
Mortgages for rural homes.
When it comes to securing financing for properties outside the city, choosing the right rural mortgage lender makes all the difference. At DV Capital, we specialize in providing rural mortgage solutions tailored for homebuyers, real estate investors, and builders who need more than what traditional lenders can offer. Whether you’re looking to purchase a rural property, refinance an existing mortgage, or obtain a construction loan to build a residential, commercial, or cottage property in a rural location, we have you covered. Unlike most traditional and private mortgage lenders, who often shy away from financing in rural or remote locations, DV Capital can arrange first, second, and even third mortgages on rural real estate, including properties that are farm or agricultural-zoned. Most lenders apply strict limitations when it comes to rural properties with additional structures such as barns, sheds, garages, greenhouses, livestock facilities, or stables. They may also place restrictions on properties with large acreage, either refusing to lend altogether or disregarding the value of the land beyond a certain point (often only considering the house plus 5 to 10 acres). This can significantly reduce the mortgage amount available to you and force a higher down payment. At DV Capital, we take a common-sense approach to rural mortgage lending. We recognize that acreage, farmland, and additional outbuildings add real value to your property, and we structure financing to reflect that. In many cases, we can finance based on the full value of the house and the entire acreage, giving our clients more flexibility and stronger financing options than most other lenders. Serving clients across Ontario and British Columbia, DV Capital is uniquely positioned to deliver customized rural mortgage financing that supports your goals, whether that means country living, expanding your real estate portfolio, or building on rural land.
Working Farm Mortgages.
Rural & Agricultural Mortgage Lenders.
Financing a working farm mortgage is very different from getting a traditional residential mortgage because farms often include large acreages, multiple outbuildings, and agricultural operations, which makes most conventional lenders impose strict limitations or avoid them entirely, and that is why choosing the right partner for a working farm mortgage in Canada is critical. At DV Capital, we specialize in helping farmers, landowners, and investors access flexible farm mortgage financing that makes sense, whether you need a first, second, or third mortgage on your working farm, and unlike most traditional and private lenders that only consider the value of the farmhouse and a small portion of land, usually five to ten acres, while ignoring the true value of additional acreage, barns, equipment sheds, stables, or greenhouses, in certain cases, we take into account the full property. This narrow approach from traditional lenders often results in higher down payments, reduced financing amounts, and unnecessary roadblocks, but DV Capital understands that a working farm is more than just land, it is a home, a business, and a long-term investment, and our farm mortgage financing reflects that reality. We provide solutions that consider the complete value of your farm property, including all acreage and operational structures, so that you can obtain the financing you need, whether you are purchasing a new farm property, refinancing an existing farm mortgage, accessing equity for expansion or equipment, or building new agricultural structures. Serving clients across Ontario and British Columbia, DV Capital is a trusted working farm mortgage lender committed to supporting Canada’s agricultural communities with tailored farm property loans and agricultural mortgage financing that traditional lenders are unwilling to provide.
Hobby Farm Mortgages.
Rural & Agricultural Mortgage Lenders.
DV Capital works closely with homeowners and farmers who operate both working and hobby farms and provides mortgages for residential, rural, farm agricultural zoned properties. Oftentimes, clients cannot fit directly in the residential mortgage lending box, nor can they fit in the farm or agricultural lending box and find themselves somewhere in the middle. This is usually a result of the property being used more for personal enjoyment with light farming use as opposed to a full-throttle farming operation, although we can assist clients on either side of this spectrum. Farmer clients require capital for many reasons, including capital shortfall rejuvenation, funds for growth and expansion, funds for shareholder buyouts, operating capital, equipment purchases, solar and wind energy projects, greenhouses and farmland purchases. When seeking a rural, farm or agricultural mortgage loan, even if you’ve been turned down elsewhere, it’s important to position yourself with a farm mortgage lender. Contact DV Capital for your agricultural, working farm & hobby farm mortgage financing requirements in Ontario and British Columbia.
Rural Construction Mortgage.
Rural Construction Lender.
Purchasing or building a home in a rural location can be challenging because most lenders prefer to finance properties in urban or suburban areas, and when it comes to rural construction mortgages the challenge can be even greater since many construction lenders shy away from financing new builds in rural regions, but at DV Capital we specialize in arranging rural construction mortgage loans for clients who want to build or develop outside of major city centres in highly desirable rural markets such as Muskoka, the Kawarthas, Prince Edward County, Kelowna, and beyond. Whether you are purchasing land or acreage, we provide financing for vacant land, raw land, serviced lots, and rural land purchases so that you can move forward with building your custom home, cottage, or even subdivision development in a rural or semi-rural community. If you already own rural land, we will assess whether it is free and clear or if there is an existing land loan in place, and in either case, we will structure the right rural construction mortgage financing to support your project. At DV Capital, we work with homeowners who want to build their primary residence, with cottage buyers who want to create a retreat on rural or waterfront property, and with real estate investors, builders, and developers who plan to sell the completed property upon construction and development. Most traditional lenders restrict or decline financing for rural construction projects due to concerns about resale markets, zoning, or land use – but DV Capital takes a common-sense approach to rural construction mortgages, recognizing the real demand and long-term value in building in rural markets across Ontario and British Columbia, and by working closely with our clients we can provide financing solutions that conventional lenders cannot.
Mortgages for homes with well & septic.
Financing a home with a well & septic system.
In a typical subdivision or urban community most homes are connected to public municipal water and sewer services, but in rural and remote settings many properties rely on private wells and septic systems, and while this is perfectly normal outside of the city, it often creates major hurdles when applying for a mortgage because most traditional and private lenders reduce their loan amounts, lower the loan-to-value ratios, or refuse to lend altogether when a property operates on well and septic services. A well and septic mortgage therefore requires a lender who understands the realities of rural living, and at DV Capital we specialize in providing mortgage financing for homes that operate on private well and septic systems across Ontario and British Columbia. A private water well is installed on the property to provide clean and safe water to the home, and as part of any purchase, refinance, or construction mortgage application, lenders typically require a well water test, also referred to as a water potability certificate, to confirm that the water meets health and safety standards. A septic tank, on the other hand, is an underground container designed to manage wastewater, and while it must be inspected, cleaned, repaired, or replaced according to professional guidelines, it does not diminish the true value of a property even though lenders often treat it as a risk factor. At DV Capital we take a common-sense approach to well and septic mortgages, recognizing that rural properties with private water and septic systems are a normal and valuable part of the housing market, and we provide financing solutions that reflect their true worth instead of penalizing homeowners. Whether you are purchasing a rural property, refinancing your existing mortgage, or building a new home on land that will operate on well and septic systems, DV Capital can deliver the well and septic mortgage financing you need to achieve your goals without unnecessary restrictions from conventional lenders.
Cottage Mortgages.
Vacation, Cottage & Second Home Mortgages.
DV Capital can help finance your cottage purchase, refinance, renovations and cottage construction mortgage based on their vast experience financing cottage mortgages on land and islands from the Muskoka’s to the Kawartha’s and other cottage locations. Traditional lenders are very rigid with cottage financing and typically have 2 classifications for cottage and second home properties as follows:
What Is a Type-A Cottage (Essentially a Second Home):
- Have a permanent foundation.
- Accessible year-round, municipally plowed.
- Located in a reasonably marketable location.
- Fully winterized, 4 season dwelling.
- May have a floating foundation.
- Seasonal access is acceptable.
- Water access only is acceptable.
- Greater leniency for less marketable locations.
- Equity-Based, Flexible Income & Credit Requirements.
- Private Mortgage Jumbo Loan Amounts.
- Private Mortgage Lending for Island Properties.
- Equity-Based Private Mortgage Lending for Cottages.
DV Capital works closely with homeowners, real estate investors and builders & satisfies their cottage, second home and vacation home financing requirements across Ontario and British Columbia.
Cottage Mortgage Interest Rates.
Cottage mortgage Lenders.
At DV Capital we have extensive experience financing cottages, vacation homes, and second properties through a wide variety of capital sources including traditional, alternative and private mortgage lenders, and our expertise allows us to provide cottage mortgage solutions for purchase, refinance, and construction financing in 1st and 2nd position, covering both default-insured low down payment traditional mortgages and private mortgages for cottages and recreational properties, and because financing needs, property type, property location, and client profiles vary, cottage mortgage interest rates fluctuate accordingly. Whether you are looking to purchase a cottage, refinance or replace an existing mortgage, access equity, or finance the construction of a new vacation home, DV Capital provides tailored cottage mortgage financing solutions that match your unique needs and circumstances. We have deep knowledge, experience, and lending resources for cottage properties across Canada, including in Kawartha Lakes, Lake Muskoka, Lake Joseph, Lake Rosseau, Port Carling, Georgian Bay, Prince Edward County, Parry Sound, Haliburton, and other prime cottage country locations, and we structure financing for traditional cottages with road access as well as more unique properties such as cottages located on islands accessible only by water, ensuring that your cottage mortgage interest rates and terms reflect the true value of the property and the realities of rural lending. Serving clients in Ontario and British Columbia, DV Capital is the trusted partner for cottage mortgage financing, providing solutions where traditional lenders may be restrictive or unwilling to lend, and we help homeowners, investors, and builders navigate the full spectrum of financing options to achieve their goals in Canada’s cottage country.
Mortgages for mobile homes.
Mortgages for Mobile Homes on Leased Land.
At DV Capital, we have extensive experience working with purchasers and existing owners of mobile homes on both owned and leased land, and we specialize in providing mobile home mortgages for properties that traditional lenders often overlook, especially when the home is situated on leased land, which has become a very niche product that is gradually being phased out by conventional mortgage providers. Mortgages for mobile homes, particularly those on leased land, require expertise, flexibility, and access to alternative lending solutions, and DV Capital works closely with clients to provide tailored financing solutions whether you are looking to purchase a mobile home, refinance an existing property, or access equity in a mobile home on owned or leased land. Because few lenders are willing to provide financing for mobile homes in these circumstances, it is important to position yourself with a mobile home mortgage lender, and DV Capital has the knowledge, resources, and lending networks to secure approvals for clients in Ontario and British Columbia. We understand the unique challenges associated with mobile home mortgages, including land ownership, lease terms, and lender restrictions, and we structure mobile home mortgage financing solutions that reflect the true value of the property while maximizing loan amounts and minimizing unnecessary obstacles. Whether your mobile home is located on leased land or freehold land, DV Capital can provide access to first and second mortgages, refinancing options, and private lending alternatives to ensure that homeowners and investors can move forward with confidence, making us the trusted choice for mobile home mortgages in Canada.