We help deliver the most from your investment.
Your investments deserve the attention of a dedicated and knowledgeable professional. The Claystone Mortgage Team is here.
Trust an Award-Winning Team
Partner with the award-winning Claystone Mortgage Team, who have over 75 years of combined mortgage experience and have helped thousands of clients with thousands of mortgages, and as a result, saved them thousands of dollars. As a team of licensed professionals with a diverse range of past financial services experience, working in some of Canada’s major banks and credit unions from coast-to-coast, we are able to offer mortgage advice and recommendations based on a thorough knowledge of the mortgage industry and take the time to understand and address the financial goals and aspirations of our valued clients.
We operate with integrity and while we have amassed an array of nominations and awards, we consider your referral to be our highest form of recognition. As such, you can trust that you will receive the utmost care and attention, from our complimentary no-obligation mortgage consultation to your funding. We only offer products and services in the best interest of our clients and that are going to truly bring value and deliver the most savings possible. As a result, we have thousands of satisfied clients who have experienced the exceptional advantage of partnering with the Claystone Mortgage Team, Mortgage Architects.
The Claystone Mortgage Team can assist with mortgages for rental property purchases or refinances, whether you are purchasing your first investment property or hold a portfolio of rentals. We have the skills to source a lender to meet your goals and find financing solutions. Lenders have different policies when it comes to approvals for rental properties and it is key to have a knowledgeable mortgage professional working for you to access a range of lenders, all of which have various and sometimes confusing guidelines, in order to provide the best options for you.
Clients do not often realize that lenders have a variety of complex criteria in considering mortgage rental properties, including the fact that they do not factor in 100% of rental income when considering approval, as most lenders only use 50%-80% while considering the entire mortgage payment as a liability. Additionally, you may or may not have a tenant lined up for this property and that is another area where lenders may use their discretion and not having a tenant may work against you and your chances of approval.
On the other side, some lenders may offer up to a 30-year amortization which results in keeping payments lower, which can turn a purchase into a desirable cash flow positive scenario. This is why one of our knowledgeable and experienced mortgage professionals can be of vital importance in navigating this sometimes complex mortgage market and delivering you the most savings and benefits while helping to obtain success in building a rewarding real estate portfolio.
It is very important to partner with an experienced team like ours with extensive experience in the mortgage industry to ensure success.