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Greg Clifford

Greg Clifford

Mortgage Agent

English
Specialties: Residential Mortgages, Commercial Mortgages, Rental Property / Investment

About

Broker

MORTGAGES

You want to get the most from your mortgage - now and in the years to come. As a professional Mortgage Consultant, I can do just that. From competitive rates to flexible options, I’ll work with you to find solutions that suit your needs. With access to over 50 competing lenders - including major banks, credit unions, life insurance companies, trusts and other national and regional lenders, I have the tools to get you the best mortgage, with the features and rate that meet your needs, whether you are:

  • purchasing your first or next home, or considering a vacation property;
  • new to Canada;
  • investing in property;
  • considering a large renovation project;
  • refinancing to boost monthly cash flow and save on interest costs;
  • looking at options for your mortgage renewal; or,
  • interested in repairing your credit so you can qualify for mortgage financing.

    My business is built primarily through referrals from satisfied customers, which means your positive mortgage experience is essential!

    It’s worth a call to schedule a free, no obligation review of your situation. Because the right mortgage can build your wealth and save you thousands of dollars! I look forward to helping you achieve your dreams for homeownership.

BUSINESS FINANCING AND LEASING

 

In addition to mortgages, I also specialize in business financing solutions which include:

 

 

 

ü Business-to-business loans and leases

 

ü Consumer loans and leases

 

ü Vendor Leasing Programs

 

ü Eco-Home Loans

 

ü And more…

 

 

 

By offering these products, I can help business owners like you to expand and increase sales by allowing increased flexibility with your company’s finances and helping your customers finance their purchases from you.  Call me today to find out how I can help you and your business to grow.

 

 

 

 

 

7 reasons to use a Mortgage Broker over your Bank

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Commercial Mortgages

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.

Rental

Are you considering buying a multiplex property in the near future to enter the rental market? While this type of investment is a great way to diversify your income and put money aside, it is important to be well prepared. Buying income-producing real estate is more than an investment, it also means starting a business. But where should you begin? Before you get started, it is important to quantify and analyze the financial implications to ensure that your project is viable and profitable. The return on investment is calculated by subtracting the operating expenses from your income. This amount is then divided by the down payment on the building. The percentage obtained represents the annual return, which should ideally be higher than the mortgage rate.

Another aspect to consider is your ability to manage risk. Rental real estate does not guarantee constant profits, so it is important to assess your tolerance for risk and financial uncertainty.

The financial aspect is not the only aspect to consider. When entering the rental real estate market, you have to manage tenants and take care of the building maintenance. It is therefore important to be familiar with tenants’ rights in Québec and to have an interest for manual work. This will greatly help!

The down payment required for your project will depend on the number of units in your plex and whether you want to live in the building. Usually, you need a down payment equal to 20% of the property value. However, if you intend to live in one of the two apartments of a duplex, the required down payment is 5% and that will increase to 10% in the case of properties with 3 or 4 units.

Invis brokers are there to help you make the right decisions. They can give you advise and guide you through the investment process. Contact us today to start making your project a reality.

Today's Exclusive Invis Mortgage Rates

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  1. 2.54%
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    2.79%
  2. 2.49%
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Greg Clifford

Greg Clifford

Mortgage Agent

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