Simplify Your Investments with Blanket Mortgages in Canada
Quick answer
Quick answer (Canada): A blanket mortgage uses more than one property as collateral under a single loan. It can improve leverage, lower blended rates, and reduce legal repetition across multiple closings. Approval focuses on portfolio value, rents, DSCR, borrower strength, and release clauses. We package once and make lenders compete so proceeds, covenants, and timelines fit your plan.
See: Blanket Mortgage Calculator · Investment Property Guide · LTV Calculator
Learn about mortgage consumer protections from the Financial Consumer Agency of Canada.
Finance or refinance multiple properties under one approval. We compare 100+ lenders and structure terms that protect cash flow, simplify covenants, and keep portfolio growth on track.
Portfolio Headaches, Clear Genesis Solutions
- Too many renewals and lawyers. We consolidate into one facility with aligned maturities and fewer legal touches.
- Equity trapped across properties. Cross-collateralization unlocks proceeds to fund renovations and the next acquisition.
- DSCR tight on a few doors. We underwrite to portfolio coverage and right-size amortization for healthy DSCR.
- Release risk when selling one asset. We negotiate partial release clauses and clear payout math in advance.
- Rate vs flexibility. We model fixed, variable, and prepayment so exit and future scaling stay easy.
- Bank said no. We place with credit unions or alt lenders now, then map a path back to prime pricing.
Why Choose Genesis Group for Blanket Mortgages
- 100+ lenders compared. Banks, credit unions, alt and private capital for scale and speed.
- Portfolio DSCR expertise. We structure proceeds, amortization, and reserves to coverage targets.
- White glove execution. Single package, fewer asks, clean closing calendars.
- Release ready. Clear partial release formulas so you can sell or refinance one door without friction.
- Growth roadmap. We plan refi windows and covenant breathing room for your next buy.
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At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
Types of Blanket Mortgage Structures We Arrange
Portfolio Purchase Facility
Acquire multiple doors with one approval and unified covenants.
Check eligibilityPortfolio Refinance and Equity Take-Out
Consolidate debt, pull equity for cap-ex, and reset maturities.
See optionsBlanket With Release Clauses
Pre-defined payout math to sell one property without refinancing all.
Plan releasesBridge to Stabilization
Short-term blanket while units turn over and rents season.
Map the bridgeMixed Asset Blanket
Combine SFHs, duplexes, and small multi under one facility.
Design structureRate Hedge or Blend
Blend fixed and variable to balance cost and flexibility.
Compare strategiesTools: Blanket Mortgage Calculator · LTV Calculator · Product Comparison
How It Works
- Apply in minutes. Share rent roll, leases, and a quick asset list.
- Underwrite once. We package financials and DSCR to portfolio standards.
- Lenders compete. Terms compared across banks, credit unions, and alt lenders.
- Legal and releases. We coordinate solicitor instructions and release language.
- Close and scale. Fund cap-ex or the next buy with a clean runway.
Soft check • No impact on credit • FSRA-licensed
Discover the Key Benefits of Choosing Your Blanket Mortgage with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more
S T
01/13/2023My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more
Laura Vescio
11/13/2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more
Lui Vescio Jr.
12/13/2024As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more
Rohan Spence
05/13/2024My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more
stephanie B
01/13/2023Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs
Mark Winter
11/13/2024If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more
Samantha L
09/13/2024From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more
Rohan Germain
01/13/2024I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024
Gain access to our vast network of 100+ lenders offering tailored residential mortgages to suit your financial needs.
Real results for Canadian investors
Portfolio DSCR tune-up
Optimized amortization and proceeds to maintain 1.23× DSCR across doors.
Read case studyEquity release
Blanket refi funded renovations and a down payment for the next acquisition.
More success storiesClean exits
Release clauses removed friction when selling one property from the pool.
See the playbookFrequently Asked Questions
What is a blanket mortgage in Canada and when does it make sense?
A blanket mortgage is one loan secured by more than one property. Investors use it to streamline financing, unlock equity across doors, and align maturities. It can reduce legal repeats and improve leverage when portfolio DSCR and covenants are structured well. Start with our Blanket Mortgage Calculator.
How does DSCR work for a portfolio or blanket mortgage?
DSCR compares net operating income to annual debt service. Many lenders look at portfolio DSCR, not just one property. We tune amortization and proceeds to keep coverage healthy and model sensitivities for rent, vacancy, and rates. Try the LTV Calculator and the Product Comparison Guide.
Can I sell one property that is under a blanket mortgage?
Yes, if your loan has a partial release clause. We negotiate release math up front (fixed dollar or percentage of outstanding) so dispositions are clean without refinancing the whole portfolio.
How much can I borrow on a blanket mortgage and what LTV is typical?
Proceeds depend on portfolio value, rents, DSCR, borrower strength, and lender type. Conventional blanket facilities often size to portfolio LTV and DSCR thresholds. We compare scenarios and show monthly impact in the Blanket Mortgage Calculator.
What documents do lenders require for a portfolio or blanket mortgage?
Expect a rent roll, leases, T1/T2 financials, property tax bills, insurance, prior appraisals if available, and a statement of real estate owned. We package once for all properties, then run lender comparisons.
What rates and fees should I expect versus financing each property separately?
Pricing depends on DSCR, leverage, and lender type. A blanket can lower blended costs by simplifying legal and aligning terms, though some facilities add admin or collateral management fees. We make 100+ lenders compete and show total cost side by side.
Are there risks with cross-collateralization under a blanket mortgage?
Cross-collateralization ties properties together. Without a release clause, selling one asset can be harder. We negotiate clear release provisions, reserve requirements, and covenants that match your plan, then map refinance windows to keep flexibility high.
How fast can a blanket mortgage close in Canada?
With documents ready, conditional approvals can land in a few business days. Actual closing depends on appraisals, title searches across properties, and solicitor turnaround. We coordinate all moving parts so timelines stay predictable.
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Ready to simplify portfolio financing. We will structure DSCR, releases, and proceeds so growth stays smooth.
Soft check • No impact on credit • FSRA-licensed
