Mortgage

Residential Mortgages

We look at every situation on a case-by-case basis. Following are some of the common scenarios we can deal with. Both first-time home buyers and self-employed individuals are welcome.

Employment Status Issues	-Self-employed -Recent job or change -International Work experience	-Chequered work history - Part-time employment
-Income Issues	- Non-verifiable - Salary + commission - Seasonal income	Commission only - Salary and over-time - Salary and bonus
Credit Issues	- Bad credit - No credit history	- Good credit score, but a lot of credit showing - Bankruptcy in recent past
Property Types	- Rental - Construction - Cottages and vacation homes - Multiplexes	- Investment property - Rural property/acreages - Mobile homes
Residence Status Issues	- Non-resident	- New immigrant (Permanent Resident)
Financial Goals	- Zero-down - Mortgage Refinance	- Purchase plus renovations

Commercial Mortgages

We can arrange excellent mortgages on all types of commercial/rental properties.

Tax Deductible Mortgages in Canada

Make your mortgage work with the rest of your financial and investment plan.

Your principal residence mortgage interest is tax-deductible, provided the borrowed money is used to earn income from a business or investment, even if your home is the pledged security.
We have several safe and fairly lucrative RRSP and TFSA eligible investment strategies that can help you reach your financial goals much faster.

Private Commercial Lending

Here are some examples of the types of lending that we can assist with.

Bridge Financing - Some businesses with a long history of good performance are currently facing short to medium-term cash flow challenges. These businesses may own the commercial property out of which they operate, and may have little or no financing on that property. Short-term financing could be an option for such businesses .

Construction Financing - Developers are facing challenges starting a project, due to pre-sale requirements or a lack of financing; as well, they may be unable to complete a partially finished building or obtain financing for a project that was initially started with a cash investment by the developer. We are able to arrange financing for such projects and see them through to completion.

Development Financing - Land development financing is also currently difficult to arrange from major banks, as well as from many private lenders. We can help you find land development financing, and develop workable solutions for the right projects.

Land Financing - Major banks have typically withdrawn from all forms of financing for raw land, and are currently seeking to reduce their exposure to existing land projects. Many private lenders have also withdrawn from this market, with no new funds available for land financing.  Through our associates we are able to arrange financing and  structure  deals  with low LTVs for strong applicants.