Residential Financing

When most people hear the word home mortgage, what comes to mind is a purchaser being extended a loan, usually by their current bank. Some numbers are plugged into a calculator, various amounts and rates are returned, and the system determines a number or ‘product’ chosen for them.

It seems simple, but for many people, this process is incomplete and leaves them with options that are less than ideal, if functional at all. We understand that life, careers and businesses are not all the same. At Designer Capital, we work closely with you to understand your unique circumstance, and ensure that they are not keeping you from getting the financing you need. In many cases, we teach people about programs or structures their own bank didn't even tell them about.

Some of the residential financing situations we’re well versed in include:

  • High Net Worth individuals

  • Divorce Restructuring

  • New home purchases

  • Home purchases requiring improvements

  • Purchasing homes in company names 

  • Refinancing

  • Mortgage renewals

  • Investment properties

  • Reverse mortgages

  • First time home buyers

  • Vacation & secondary homes

  • New to Canada 

  • Past bad credit 

  • Equity lending

  • Home equity lines of credit

  • Non-resident lending

  • Pre-approvals

  • Self-Employed or Small Business

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