Ben James’ Post

🏠 Unlock mortgage insights with Matt Reith, Sr. Mortgage Advisor at Province Mortgage Associates! Today we dive into the critical concept of equity position when qualifying for a mortgage. Whether you're a new buyer or considering refinancing, understanding equity is key to securing the right loan for your needs. Visit provincemortgage.com for more information and check out our YouTube channel for other amazing videos. Don't forget to Subscribe! #MortgageInsights #EquityPosition

Navigating the World of Private Mortgages Eligibility Criteria: Private mortgages focus on property value and condition, not just credit scores, making them accessible to borrowers with non-traditional financial backgrounds. Flexible Terms and Conditions: Private mortgage borrowers can customize loan details like the amount, interest rate, and repayment schedule through negotiation, benefiting both borrowers and investors. Incorporating Private Mortgages into Your Real Estate Investment Plan Mortgage Investment Strategy: Define your focus on residential or commercial properties to set clear investment goals. Seek Professional Guidance: Consult experts like Canadian Tailored Mortgage Solutions for help in identifying and securing favorable private mortgage opportunities. Risk Management: Evaluate and understand the risks associated with each investment opportunity to make informed decisions. Unlock your financial potential with real estate investments and private mortgages. Contact us at https://lnkd.in/gHJZ8-w now! #MortgageRefinance #MortgagePreApproval #HomeEquityLoans #MortgageRenewals #PrivateMortgage #ReserveMortgage #DebtConsolidationMortgage #SecondMortgage #InvestmentPropertyMortgage #FirstTimeHomeBuyerMortgage #SecondMortgage

Gparency capped fee mortgage brokers can provide developers with transparency and cost control, ensuring they're not hit with unexpected fees. This predictability in costs can help developers budget effectively and focus on their projects rather than worrying about financing expenses. #FeeRevolution #CommercialRealestate

*****Attention***** Do you know?? Return of Mortgage Interest Deductibility 😀 "One of the biggest gains for property investors is the return of Mortgage Interest Deductibility. In 2021, new tax laws were introduced so landlords couldn’t offset interest payments against their rental income.  With the return of Mortgage Interest Deductibility, property investors can now continue deducting the interest costs of their property mortgages against their rental incomes. Owners of rental properties will be able to claim 60% of their interest costs this year, 80% in 2024/25 and 100% in 2025/26 financial year."   Are you a property investor looking to purchase a new property and in need of a mortgage? 💰 Look no further! Our Westpac team specializes in helping investors secure the right mortgage for their investment properties. Whether you're a seasoned investor or just starting out, I'm here to guide you through the process and find the best financing options for your needs. Don't let financing hold you back from your next investment opportunity - reach out to me today and let's make your property investment dreams a reality! Call me on 021 389 562  #PropertyInvestor #MortgageAssistance #InvestmentOpportunities 

Exciting news for mortgage intermediaries - CHL Mortgages has joined Crystal Specialist Finance's lender panel! This partnership will provide intermediaries with even more options and solutions for their clients. CHL Mortgages is known for their competitive rates and flexible criteria, making them a valuable addition to Crystal Specialist Finance's panel. This new partnership will make it easier for intermediaries to find the best mortgage products for their clients, helping them navigate the complex world of property finance. At Property Investor Hub, we understand the importance of finding the best off-market deals for our clients. Our team of experts can help investors identify strategic opportunities and secure profitable investments. Reach out to us for a free consultation and let us help you take your property investment journey to the next level. PropertyInvestment #OffMarketDeals #MortgageIntermediaries #PropertyInvestorHub #FreeConsultation

Can my RSU income be included on a mortgage application? This is a question I am often asked by my clients who are employed in companies where a significant part of their overall compensation is from RSUs. The answer will depend greatly on the lender, with some with quite favourable in their policy, and others unwilling to accept this at all. Typically, mortgage lenders who do accept RSU income would look for a consistent history, often over a period of two to three years, taking into consideration the vesting schedule, the stability of the income stream, and the performance of the company’s stock. There are some specialist lenders that go even further, taking a more bespoke approach, particularly with individuals working for established employers, looking at all elements of the bonus awards including cash elements, vested and even unvested stock. #mortgages #mortgageadvice #mortgagebroker

What a start to the year. Where has January gone? It seems to be getting lighter! It’s been all hands on deck. Mortgage rates have come down at the begging of the year and many lenders are now creeping their rates back up. This is more to do with where they get their funds from, the swap rate market, and nothing to do with the Bank of England base rate, which has been held for another month. We have had a large increase in enquiries with people’s mortgage rates ending in the coming months, there seems to be optimism in the buying market and offers are being made and accepted. On the investor side we are seeing plenty of action. The biggest increase in enquiries for us this month has been on the commercial, semi commercial side and for investors looking to lease their properties to Housing Associations and councils. We have some good options for these deals. We’ve also been working hard in the background developing our systems and processes to continue our business development journey in readiness for our planned growth this year. We will be taking on more staff shortly so watch this space. How’s your start to the year been? Cheers Gar #property #propertyinvestor #buytolet #btl #realestate #roi #mortgage #mortgagebroker #propertydeveloper #propertydevelopment #bridgingfinance #investors #propertyinvestment #buytoletinvestment #commercialfinance #propertyfinance #businessfinance #businessgrowth

Dive into the captivating world of mortgage markets with our latest blog post! Unravel the intriguing dynamics and developments from January 2024. Unveiling key insights that demystify the complexity of mortgages - because understanding your investment matters! #MortgageAnalysis #RealEstateInvesting

Tackle Rising Interest Rates Head-On " Is the End of Your Fixed-Term Mortgage Causing Stress? With interest rates on the rise, the looming end of your fixed-term mortgage might be unsettling, threatening to disrupt your financial equilibrium and future plans. Transform Stress into Strategic Success At Your Future Set, led by Mike Mackenzie, we provide not just hope, but concrete solutions during these uncertain times. By tapping into government schemes and guarantors, we help you sidestep expensive lenders' mortgage insurance and enhance your financial leverage. Develop a Tailored Refinancing Plan Our comprehensive approach involves collaboration with a team of financial experts—from planners to builders—to formulate a refinancing strategy that’s tailored to your unique situation. Experience exceptional customer service, prompt responses, and regular progress updates, empowering you to navigate rising rates with confidence. Rely on Your Future Set to fortify and improve your financial future. 💼✨" #YourFutureSet #TackleRisingInterestRates