Mortgage financing if you're investing in real estate
Everything you need to know about investment mortgage financing. Simplified.
Investment mortgage financing isn't as straightforward as financing your primary residence.
Learn more through my 3 step process.
Get started right away
The best place to start is to connect with me directly. Securing financing for an investment property isn't something you can do overnight. It requires developing and following a clear plan.
Discover your options
Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming. Let me cut through the noise, I'll outline the best mortgage products and help to arrange financing for your investment property.
I'll handle the details
Mortgage financing for investment in real estate is more than handling a single transaction. Let's work together to build your portfolio and increase your net worth, one property at a time!
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Here are some articles that share great information as you consider mortgage financing.
What Banks Won't Tell You About Mortgage Financing
Working with a single financial institution significantly limits your options when considering mortgage financing, especially if your financial situation isn’t straightforward.
Benefits of Working with an Independent Mortgage Professional
Simply put, an independent mortgage professional works for you and has your best interest in mind, while a bank specialist works for the bank and has the bank’s best interest in mind.
GDS/TDS Ratios Explained
One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.
Standard or Collateral Charge Mortgage. What's best for you?
When arranging mortgage financing, your mortgage lender will register your mortgage in one of two ways. Either with a standard charge mortgage or a collateral charge mortgage. Learn more about the differences here.
4 Ways to Access your Home Equity
If you've been a homeowner for many years, likely your property value has increased significantly. One advantage of homeownership is the opportunity to build equity. Learn more about how you can access your home equity.
The Property Matters in Mortgage Financing
When looking to qualify for a mortgage, typically, a lender will want to review four areas of your mortgage application: income, credit, downpayment/equity and the property itself. Assuming you have a great job, excellent credit, and sufficient money in the bank to qualify for a mortgage, if the property you’re looking to purchase isn’t in good condition, you’re going to get some pushback from the lender. Learn more about why the property matters to the lender here.
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Contact Information
Josh Perez | Broker of Record | License No. M15000024
Synergy Mortgage Group | License No. 13172
21 Bold Street, Hamilton, ON, L8P 1T3
T: 289-335-1262 C: 905.906.7975 F: 866.806.3824 | E: josh@synergymortgagegroup.com
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