More Canadians than ever are asking:
Should I buy a home in the U.S.?
Can I use my Ontario home equity to move south?
How do I finance a Florida property as a Canadian?
The good news?
You have options — and you don’t need to figure it out alone.
🇨🇦 Why Canadians Are Looking South of the Border
The trend is accelerating, and the reasons are clear.
Canadians are considering the U.S. — especially Florida — due to:
❄️ Harsh Canadian winters
💸 Rising taxes and cost of living
📈 Persistent inflation
🏠 Housing affordability challenges
👨👩👧 Lifestyle and retirement planning
💼 Employment and business opportunities
🌴 Desire for a new chapter and warmer climate
Florida, in particular, has become a top destination for Canadians seeking sun, stability, and lifestyle flexibility.
🏡 Buying a Home in Florida as a Canadian — Is It Possible?
Yes — and it’s happening every day.
Canadian citizens can legally:
✔ Buy residential property in the U.S.
✔ Own vacation or second homes
✔ Purchase investment or rental properties
The challenge isn’t ownership — it’s financing and structuring the move properly.
That’s where the right strategy matters.
🔑 Two Smart Paths Canadians Are Using Right Now
🏠 Option 1: Get a U.S. Mortgage in Florida
Through Lendworth USA, we help Canadians:
Secure U.S. mortgages as foreign nationals
Navigate Florida-specific lending rules
Understand down payment and documentation requirements
Find the right mortgage structure for their goals
Whether it’s a vacation home, retirement property, or long-term relocation, we help you find the right mortgage — not just any mortgage.
💰 Option 2: Use Your Ontario Home Equity to Make the Move
Many Canadians don’t realize this:
👉 Your Ontario home equity can help fund your U.S. purchase.
At Lendworth, we regularly help homeowners:
Access equity through private mortgages
Arrange bridge financing
Use equity as a down payment or cash purchase
Reduce reliance on U.S. financing complexity
This approach gives you:
✔ Speed
✔ Flexibility
✔ Fewer cross-border hurdles
It’s one of the most efficient ways to bridge the gap between Canada and the U.S.
🌉 Bridging the Gap — Without Stress
Relocating or buying abroad doesn’t need to be overwhelming.
With the right structure, you can:
Keep your Canadian property
Generate rental or future sale value
Establish a U.S. presence gradually
Avoid rushed decisions
Maintain financial flexibility
This is especially powerful for:
Snowbirds
Business owners
Retirees
Families planning long-term relocation
📊 What About Taxes, Employment & Residency?
Every cross-border move raises important questions:
Tax residency
Time spent in the U.S.
Employment or business income
Estate and long-term planning
While every situation is unique, the key is planning — not reacting.
We work alongside professionals to ensure financing decisions support your broader goals, not complicate them.
🌴 A New Life Starts With the Right First Step
Whether you’re dreaming of:
A winter home in Florida
A full relocation
A gradual transition
Or simply more lifestyle freedom
There is a path forward — and it starts with a conversation.
📞 Ready to Explore Your Options?
If you’re thinking about buying a home in the U.S. or leaving Canada for a warmer winter, Lendworth can help you get there.
☀️ Florida mortgages through Lendworth USA
🏠 Ontario equity solutions to fund the move
Let us help you bridge the gap — and get you where you want to be.
Your equity deserves more™