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Bryan’s driving passion is to help Canadians succeed on their quest to financial freedom. He is motivated to assist all individuals, families and business owners in finding solutions to accomplish their financial goals, whether it be, accelerated mortgage reduction, debt consolidation, freeing cash flow and equity for investments or other needs.
Bryan has a strong entrepreneurial spirit purchasing his very first business while studying his Bachelor of Management Degree. Since graduating, he has demonstrated his passion towards being an entrepreneur through active investing in the Real Estate Market and in Canadian Small Businesses.
Bryan’s background and experience is in sales, lending, finance, accounting, with years of servicing the financial industry. As Founder of SmartCap Inc, his mission is working together with financial planners and other professionals to incorporate more efficient programs for managing debt and cash flow, ensuring that every dollar is working harder for the client. With consumer debt on the rise, Bryan believes that educating clients on how they manage their finances is vital in wealth creation and preservation.
In his spare time, Bryan loves playing, watching and anything to do with sports. He has a natural drive to compete. He has played soccer at all College and Universities he has attended. Even more than his love for sports, he is most excited about time with his family!
A ten minute no obligation phone call with Bryan could change your financial life forever.
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7 reasons to use a Mortgage Broker over your BankCheck it out
Commercial Mortgages fall into their own class of financial products. As a result of this you will need to work with a broker who specializes specifically in commercial mortgages. They are different because there is no standard methodology that all lenders use to underwrite them so they require a lot more expertise to successfully put together.
Lenders typically underwrite each commercial mortgage transaction according to the merits of the proposal and the financial strength of the borrower. Once the lender is satisfied with the risk in funding the commercial mortgage or project, they will then decide on price.
Our commercial mortgage professionals arrange complex funding for client projects utilizing strong relationships across the entire commercial lending community. Our team of commercial mortgage brokers are experts when it come to commercial lending types and posses the knowledge and understanding of the niche each lender serves, loan types they prefer as well as what security, interest rates, fees and debt service coverage meet the criteria of those lenders. They will help you determine the right lender and mortgage for your investment.
We will ensure that your financial needs are matched with the right lender so you can get the highest possible rate of success for your investment. Commercial lending is very different from residential mortgages and are subject to a strict set of criteria. The participants in this market are chartered banks, credit unions, life insurance companies, mortgage investment companies, and non-institutional companies. Each have a unique portfolio structure, pricing matrix, and appetite for specific loan types and industries. It's important to seek the advice of a mortgage broker to ensure that your requirements are satisfied, and you get the mortgage that helps you reach your short term and long terms investment objectives. Contact us to get started and take your first step into making your project a reality.
With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Invis we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.
Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.
These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.
Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.
Call your Invis professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.