{"id":58138,"date":"2023-07-13T00:00:00","date_gmt":"2023-07-13T04:00:00","guid":{"rendered":""},"modified":"2024-01-05T10:53:21","modified_gmt":"2024-01-05T15:53:21","slug":"5-considerations-when-choosing-and-buying-a-vacation-home","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/5-considerations-when-choosing-and-buying-a-vacation-home\/","title":{"rendered":"5 Considerations When Choosing and Buying a Vacation Home"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">5 Considerations When Choosing and Buying a Vacation Home<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-13T150806.328.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Serene image of an outdoor sofa on a porch with comfy pillows\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-13T150806.328.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-13T150806.328.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-13T150806.328.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=5 Considerations When Choosing and Buying a Vacation Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/5-considerations-when-choosing-and-buying-a-vacation-home\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/5-considerations-when-choosing-and-buying-a-vacation-home\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 13, 2023 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Dreaming of a vacation home? Whether it&#8217;s a summer retreat by the lake, a ski chalet for winter months or a destination property in another country, there are several considerations to remember.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Where do I want to buy?<\/h2>\n\n\n\n<p>Location is one of the top factors to consider when buying a vacation property. Are you looking for something a short drive away that&#8217;s easy to access on the highway? Perhaps your heart is set on something more remote and off the grid. Do you want to be on the water? Or are mountain trails a priority? What about a more tropical destination that can be a haven during Canadian winters? Figuring out where you want to buy is one of the first and most important steps as you consider your vacation home purchase.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. How much is it going to cost?<\/h2>\n\n\n\n<p>As you scroll through realty websites searching for the perfect vacation property that falls within your budget, don&#8217;t forget to consider the additional costs and fees that will come with ongoing ownership \u2014 including property taxes, utilities, insurance, condo fees and maintenance. A general rule of thumb is that these costs could add 2 &#8211; 4% of the home&#8217;s purchase price, but this will, of course, vary based on the property&#8217;s type, age and size.<\/p>\n\n\n\n<p>Another factor to keep in the back of your mind is the capital gains tax you will incur when you sell the property. In Canada, if you sell your second property for more than you purchased it for, you must pay capital gains tax on the amount of the value increase at a rate of 50%. For instance, if you purchased a cottage for $500,000 and sold it three years later for $750,000, 50% of that $250,000 difference is taxable (so $125,000), as long as it&#8217;s still your vacation property and not your principal residence. Capital gains are taxed as part of your income on your personal tax return, so the specific amount you pay will be calculated when you file your taxes for that tax year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. How will I use my vacation home?<\/h2>\n\n\n\n<p>Is your property going to be a weekend retreat or a place you visit a couple of times a year? Do you plan to host extended family gatherings there regularly, or will it be a quiet getaway for you and your spouse? Do you plan to work remotely from your vacation home? Understanding how you intend to use your property can help you determine the size and type of home best for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. How will my second property suit my lifestyle?<\/h2>\n\n\n\n<p>If you&#8217;re a busy professional with limited weekend time, you may not want your vacation property to be an ongoing DIY project that leaves little time for relaxation. If you have young kids and a large family, you may want a home that has room to grow with you. If you&#8217;re winding down your career, your vacation home may eventually become your retirement residence. Considering your current and (near) future lifestyle can help you narrow down your choice of home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. But what about my love of travel?<\/h2>\n\n\n\n<p>If regularly travelling someplace new is your priority \u2014 and you think owning a second home might get in the way of your globetrotting adventures \u2014 you may want to carefully consider whether buying a vacation property is right for you. What could be an idyllic getaway for families who prefer staying close to home could feel constraining to someone who loves taking trips and seeing new places. If you&#8217;re still sold on a second property, perhaps consider a place that doesn&#8217;t require consistent maintenance (i.e., a condo apartment or townhouse) or whether you&#8217;re comfortable renting it out to others to offset the costs.<\/p>\n\n\n\n<p>A vacation home may be a great investment to help give you years of wonderful memories. Asking yourself these important questions can help you determine whether buying is the right move for you, and if so, to help you decide on the location, type and size of home that will best suit your budget and lifestyle.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6c735c35-c4a6-4c57-8152-4edb29035023\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=5 Considerations When Choosing and Buying a Vacation Home &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/5-considerations-when-choosing-and-buying-a-vacation-home\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a025095e-eee8-466a-9b83-0c8797113f90\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A hand holds a disc with a percentage symbol on it, and upward and downward arrows over and below the disc to reflect the rate announcement on September 17, 2025.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg 5233w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=300,200 300w, 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1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/12\/639481.jpg?resize=2048,1359 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/\">\n\t\t\t\t\t\tHome Building and Renovations\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/why-manufactured-homes-are-redefining-affordability-comfort-and-community-across-canada\/\" class=\"card-title h4 mar-t-0\">Why Manufactured Homes are Redefining Affordability, Comfort and Community Across Canada<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-6c735c35-c4a6-4c57-8152-4edb29035023 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6c735c35-c4a6-4c57-8152-4edb29035023 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-a025095e-eee8-466a-9b83-0c8797113f90 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a025095e-eee8-466a-9b83-0c8797113f90 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Thinking of buying a vacation home? 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