Would you like truly unbiased mortgage advice?

Most people believe they are receiving unbiased advice when working with a mortgage broker, but that’s not the case. A traditional mortgage broker will only present options from lenders that pay them, which we believe is a conflict of interest. This is the problem with the Canadian mortgage market, which we have set out to solve for our clients.

Here at Designer Capital, we provide our clients with TRULY unbiased advice by presenting options for all lenders, not just the ones that have financial incentives for us. This makes us different than any other mortgage brokerage in Canada and is why our planning sessions lead to the most novel solutions in the industry. Each person’s scenario is unique to them, so your solution should be unique to you and not best for the broker.

During our planning sessions, you will be educated and given clear reasoning for why the lender we suggest is the best option for you. It is common that we show people how to save tens of thousands of dollars or borrow hundreds of thousands more with our novel solutions.

Our novel solutions are created due to our expert understanding of:

  • Corporate net income and retained earnings.

  • Holding company debt structures.

  • Self-Employed income reporting restrictions and options.

  • How EVERY lender treats rental property income.

  • Investment savings and how they can improve borrowing power.

Set up a meeting with us NOW to learn more about how we can help you.

 

Residential Financing

If you’re buying your first or forever home, are self-employed, or find that your circumstances don’t align with conventional mortgage formulas - we have solutions for you. We understand the financial system and how lenders decide to lend. Because of this we don’t just tell you what you can get today, we tell you what to do to get what you want.

And beyond that, we coordinate with the other professionals you might be using – realtors, accountants, lawyers, and financial planners – to make sure your plan works from all angles.

Residential Construction Financing

Listen to most discussions about home financing and you’d believe that homes are only ever bought - never built. At Designer Capital, we know that construction is the starting point for many clients and that it shouldn’t make your mortgage journey more difficult. If you’re looking to self-build your house or take on a build project, we’d love to talk to you about your construction financing options.

 
 

Commercial Financing

Our team is pleased to support builder and development clients as they acquire new commercial properties, prepare new subdivisions and developments, build new investment or resale projects, or perform CMHC-insured apartment refinances. We’ve helped a multitude of property owners achieve the financing they needed and have funded hundreds of millions of dollars in commercial mortgages.

Our client service takes a similar approach, believing that the solution for complex mortgage problems doesn’t have to be difficult or time-consuming. We’re bringing responsive communication and client education to the commercial finance space in an effort to raise the bar on what commercial real estate finance looks like.

Working with Designer Capital

Your first step as a Designer Capital client is an in-depth interview, giving us the big picture and helping to identify your unique financing and mortgage needs. We realized early on that not only are there differences in the products lenders offer but also in the documentation each lender needs to fund that mortgage once it’s been approved. The back and forth that goes into getting all the finer details handled can be as in-depth as getting the initial approval.

From there, we’ll assist in collecting, verification and review of all your documentation for pre-approval. Our intake team will help get your initial application complete. Then we assess the file to determine which lender we should go to - educating our clients about their lender options. 

Then we can present you with customized financing solutions. And once your approval comes back, our team will make sure everything makes it to your lawyer’s office on time and as needed to fund according to your timelines – supporting you every step of the way.

If you’re ready to take the first step in financing, book a time to connect with our team and see what Designer Capital can fund for you.