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

An investment loan can help you reach your financial goals faster by delivering greater returns than you would achieve with your funds. You’ll get the compound growth process started sooner rather than later. This means higher gains for you in the long run. If your return on investment exceeds your loan’s interest rate, you get to keep the excess profit for yourself. Investing can help you generate substantially higher returns than you would have achieved with your own money.

Reach your financial goals faster with smart investing

Investment Loan

Because your home is collateral, you’ll typically find the cheapest investment loan rate through a home equity loan.

Borrowing against your home equity is less complicated than dissolving your investments like shares or bonds.

Getting a traditional investment property mortgage can be difficult. Alpine Credits approvals are based on owning your home rather than your age, income, and credit history.

Take advantage of tax breaks from the Canadian government. Generally, you can write off the interest from your loan.

Homeowners get approved in less than 24 hours

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Apply online in minutes

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Get approved in less than 24 hours

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Funds are deposited directly into your account within a week.

Apply now

See how Alpine Credits compares

When it comes to investment opportunities, you need to move quickly. See how traditional banks, credit cards, and other loan options compare to a personal investment loan from Alpine Credits to help you make the best financial decision.

Savings

Keeping your money in savings and investments can earn you more money in the long run and outweigh the cost of a low-interest rate loan.

Traditional banks

Banks have stringent loan qualification criteria and require lengthy time and paperwork to apply.

Personal loans

These loans are typically unsecured, which means higher interest rates. Plus, you’ll pay interest on the total loan amount, even if you don’t need it all.

Approved-stamp

Own your home? You’re approved.

All you need to qualify for a loan is to own your home (or other real estate). Traditional banks look at factors such as your age, income, and credit history to approve you for a loan. At Alpine Credits, we focus on the amount of equity you have in your home or other real estate properties. We make the process as quick and easy as possible.

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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. We don’t require you to have a good credit score or any credit history in order to be approved for your investment loan. All we need is that you own your home and have equity in it.

To get an investment loan, there are a few options. 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. We specialize in investment loans for your home improvement and we don’t require you to have a good credit score or any credit history in order to be approved. Whether it’s buying a business, an investment property, or stock in a company, Alpine Credits can help get you the financing for your investment.

To qualify for an investment property loan from Alpine Credits, you need to own your home and have the equity to back your loan. We accept applications from people with bad credit or no credit history, so you don’t need to worry if you don’t have a perfect credit score. Your home equity will allow you to buy that investment property and begin earning your rental income.

There is no definitive answer to this question. Some people might prefer a home equity loan because it is a low-interest rate loan and the terms are flexible. Others might prefer a line of credit, which can be used for other things in addition to your investment property. Alpine Credits offers home equity loans for an investment property, and we’re here to assist you in making your investment ambitions a reality. Our team of lending experts will work with you to get a home equity loan and offer financing for your investment property opportunity if you are approved.

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 will need to own your primary residence and have enough equity in it 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. If you are approved, we deposit the money directly into your bank account.

The interest you pay on your investment loan can be claimed as a tax deduction. For the interest expense to be tax-deductible, you must:
• Use the borrowed money to earn income from a business or property.
• Pay the interest during the tax year for which you are claiming the deduction.
• Have a legal obligation to pay the interest.
• The interest charged and paid must be reasonable as defined by the CRA, usually one established by market rates.

**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.