REAL ESTATE AND MORTGAGE STRATEGY CANADA
FIRST TIME HOME BUYERS
There are a lot of advantages and decisions for first time home buyers such as the RRSP homebuyer's plan, variable vs fixed interest rates, only a 5% down payment requirement and an exemption from land transfer tax. It’s critical these advantages are leveraged to get the most out of one of your biggest investments.
SECOND AND THIRD PROPERTIES WITH LESS THAN A 20% DOWN PAYMENT
It is a myth that your second and third properties require a 20% down payment due to mortgage insurance requirements. Waiting to save for a 20% down payment can leave you forever chasing rising home prices. You can purchase a property with 5% to 10% down at the same interest rates.
MORTGAGE AND HELOC STRATEGY
There are strategies available to manage mortgage terms and leverage HELOCS to improve your cash flow which is more important than ever due to rising interest rates and inflation.
Some locations have twice the land transfer tax, others have higher expected growth rates, and some provide investment options for purchasers that are priced out of larger cities. Understanding the geographies of Canada and the nuances of purchasing in those locations is essential.
PROFESSIONAL NETWORK AND GUIDANCE
Fisherman Financial can provide guidance and proven contacts in the industry that are best in class, including real estate agents, mortgage brokers and lawyers.
Find the right solution to track the profitability of your investments and rental properties.
REVIEW AND ADVICE ON CURRENT PRACTICES AND SERVICES
Fisherman Financial can provide a review on your current practices and services to determine if there is opportunity for improvement.
EDUCATION AND TRAINING
Fisherman Financial is willing to provide the services above or train and educate you and your team to perform the services independently.