Own the home.Lease the land.
Traditional banks may turn you away when the home sits on leased land. We help Ontario homeowners and buyers explore specialized financing for mobile, modular, and manufactured homes.
- ✓ Specialized lender access
- ✓ Purchase and refinance options
- ✓ Ontario mortgage specialists
How leased land home financing works.
Our team reviews the home, land lease, location, ownership structure, and financing goal before comparing suitable lenders.
Apply online
Tell us about the home, leased land, location, and your financing needs.
Review your options
We assess the property and connect you with suitable specialized lenders.
Complete the financing
Provide the required documents and access the approved funds.
Our award-winning team.Here every step of the way.
Expert guidance for Ontario homeowners
CMP Top 75 Broker 2026
John Burke was recognized among Canada’s leading mortgage brokers.
Top Choice Award
Recognized for trusted service and mortgage brokerage excellence.
Consumer Choice Award
Recognized for mortgage brokerage service and expertise.
A different property structure needs the right lender.
Leased land financing considers both the home itself and the agreement that governs the land beneath it.
The land lease matters as much as the home.
Approval depends on the complete application, property type, lease terms, location, condition, income, credit, and selected lender requirements.
- Land lease agreement
- Home type and condition
- Property location
- Income and affordability
Financing for homes that do not fit a standard bank box.
Eligibility varies by property and lender, but our team can review a range of leased land situations across Ontario.
Mobile homes
Explore financing for eligible mobile homes located on leased land.
Modular homes
Review options for factory built homes assembled on a leased site.
Manufactured homes
Assess specialized lending for eligible manufactured properties.
Park communities
Consider homes located in participating leased land communities.
Reservation land
Explore financing options for eligible homes on leased First Nations land, based on the property and lease terms.
Refinancing
Review options for an eligible leased land home you already own.
Understand leased land financing before you apply.
A Burke specialist can explain the property requirements, lender options, rate, fees, payment, and documents.
Book Free Consultation →What is a leased land mortgage?+
It is financing for an eligible home where the borrower owns or purchases the dwelling but leases the land beneath it.
Why do some banks decline leased land homes?+
The ownership and security structure differs from a standard freehold property. Many banks have policies that do not accommodate certain leasehold, mobile, modular, or manufactured homes.
Can I finance a mobile or manufactured home?+
Possibly. Eligibility depends on the property, location, condition, lease, ownership documentation, and lender requirements.
Can I refinance a home on leased land?+
Some homeowners may qualify to refinance an eligible leased land home. Available equity, income, credit, lease terms, and the full application are reviewed.
What documents may be required?+
Common documents include the land lease, proof of ownership or purchase agreement, property details, income documents, identification, and information about current debts.
How quickly can financing be arranged?+
Timing depends on the property, documents, valuation, lease review, and lender. Some applications may receive a decision in as little as 24 hours.
Your home deserves a lender that understands leased land.
Start online and review your options with an Ontario mortgage specialist.
