If you are in need of Residential, Business Mortgage, Lines of Credit or Investments I am an Accredited Mortgage Professional with Union Capital Management a Mortgage Broker serving the Greater Toronto Area.
RESIDENTIAL MORTGAGE SOLUTIONS
1ST HOME BUYER – Take advantage of 1st time home buyer benefits
- Use up to $25,000 from your RRSP as a down payment
- Get a land transfer tax rebate of up to $2,000
- Get a first time home buyer tax credit of $750
EQUITY TAKE OUT – The homeowner can take money out of their property for different reasons including investing, renovations, travel or major purchases. They can also access equity of up to 80% loan to value.
SECOND MORTGAGE – Secure secondary financing to pay off higher debt and improve cash flow. Homeowner can finance up to 90% loan to value.
Typically this requires less documentation than standard mortgages and the process is much quicker.
NEW COMERS TO CANADA – New to Canada residents can put as little as a 5% down payment for properties under $500K as long as they are full time employed for longer than 3 months. Another option is to put 35% as a down payment, no income documentation is required with this program. The client needs to have one years worth of mortgage and property taxes saved in a Canadian account.
DIVORCE BUYOUT / SPOUSAL SEPARATION – In the situation of a divorce you can refinance your matrimonial home for up to 95% of its value. This will allow one of the parties to remain in the house.
SELF EMPLOYED – Entrepreneurs who write off the majority of their personal earnings.
Purchases available for up to 90% loan to value. Refinancing options of up to 80% loan to value.
©2016 Union Capital
FSCO Mortgage Brokerage
Licence No. 10318
FSCO Agent Lic: M15000741
Contact me: firstname.lastname@example.org