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Our personalized approach considers your credit score, rate fluctuations , future equity and refinancing options ensuring a mortgage plan that aligns your long-term aspirations
An investment property mortgage is a loan specifically designed for purchasing properties with the intention of generating
rental income or capital appreciation. These mortgages may have different terms and rates than traditional owner-occupied mortgages.
Yes, rental income can be considered by lenders to qualify for an investment property mortgage. They typically assess a portion
of the rental income to offset the property’s expenses and determine your borrowing capacity.
The down payment requirement for investment properties is generally higher than for primary residences. Typically, lenders may
require a down payment of 20% or more, depending on the property type and your financial profile.
An investment property mortgage differs in terms of down payment, interest rates, and eligibility criteria. The interest rates may
be slightly higher due to the increased risk associated with investment properties.
Yes, you can use the equity in your primary residence to finance the down payment for an investment property. Options include a home equity loan or a home equity line of credit (HELOC).
Yes, owning an investment property may have tax implications. Rental income is taxable, and you may be eligible for deductions on expenses related to the property, such as mortgage interest, property taxes, and maintenance costs.
There are various financing options available for purchasing multiple investment properties, including portfolio loans,
blanket mortgages, or working with different lenders to optimize borrowing capacity.
Yes, you can co-invest in properties with a partner or multiple investors. Each investor’s financial profile will be evaluated to
determine their contribution and responsibilities.
Factors such as credit score, debt-to-income ratio, rental income potential, property type, and location influence the approval
process for an investment property mortgage.
As your mortgage broker, we can help you navigate the complexities of investment property financing. We will connect you
with lenders specializing in investment properties, secure competitive rates, and guide you through the investment process to maximize your
returns.
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Financial Aspirations:
Client, a young professional in her late 20s, dreamed of creating longterm wealth through property investment. However, with limited knowledge
about real estate and investment strategies, she was unsure of how to get
started.
Shelto's Tailored Solutions:
Seeking expert guidance, Client turned to Shelto for wealth creation through
property. Shelto's team carefully assessed her financial situation, risk
tolerance, and investment goals to design a personalized property investment plan.
Strategic Property Investments:
With Shelto's advice, Client made strategic property investments in growing real estate markets. She acquired rental properties with high potential for capital
appreciation and rental income.
We’ve been told it is not possible to overachieve our customer’s expectation. we have not reinvented the wheel, we decided to build upon it.
Financial Aspirations:
Client, a young professional in her late 20s, dreamed of creating longterm wealth through property investment. However, with limited knowledge
about real estate and investment strategies, she was unsure of how to get
started.
Shelto's Tailored Solutions:
Seeking expert guidance, Client turned to Shelto for wealth creation through
property. Shelto's team carefully assessed her financial situation, risk
tolerance, and investment goals to design a personalized property investment plan.
Strategic Property Investments:
With Shelto's advice, Client made strategic property investments in growing real estate markets. She acquired rental properties with high potential for capital
appreciation and rental income.
The knowledge hub for borrowers, offering valuable insights and resources to make informed mortgage decisions with confidence
Natural disasters, while unexpected and devastating, also significantly affect the property market and mortgage landscape. Understanding this impact is crucial for homeowners, buyers, and investors
Navigating the mortgage market is no easy feat, especially when determining how much home you can afford. With a plethora of options available, utilizing a
Securing a mortgage for a commercial property is different from a residential mortgage.The stakes are higher, the terms can be more complex, and the requirements
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Arslan@shelto.ca
416-826-0771
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