Mortgages, Loans and Investments
1137 Centre Street L4J 3M6 Thornhill, ON, Canada
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General Information
Locality: Thornhill, Ontario
Phone: +1 416-906-0235
Address: 1137 Centre Street L4J 3M6 Thornhill, ON, Canada
Website: www.borrowandinvest.ca/
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Our next Webinar will take place on Thursday, April 16 at 7 PM Eastern time. We will have a very special guest, a Toronto based realtor who participated in more than $2 Billion of transactions over his 30 years career in real estate. Here is a registration link: https://livewebinar.com/80/e9155415a9886f08de3d7b4872744274 See you on Thursday!
Buying homes using insured mortgaged will get harder now. With higher credit score minimums, no borrowed downpayments and lower GDS and TDS maximum debt ratios ...many people will no longer qualify for the loans... Our built for rent strategy is looking better and better every day. For more information on real estate investment solutions please visit http://www.cfpgroup.ca For more information on borrowing solutions please visit https://borrowandinvest.ca #realestate #cfpgroup #realestateinvesting #investinginmortgages #renttoown #investinginusa #realestatedevelopment #canada #investments
I just wrote an article summarizing the most important lessons in 10 years of my real estate investment career.
Something to think about: 97% of wealth in the world is controlled by 3% of people. They do things that masses are not willing or not interested to do. If you w...ant to be successful, study those successful people. Learn from them and act like them. https://finance.yahoo.com//wealthiest-americans-raking-in-
#RealEstate investments aren't just for older people with money. It's actually a viable option for millennials too. Meet Kristy Shen and Bryce Leung, a #Toronto based couple who made some smart financial investments and were able to retire in their 30s https://lnkd.in/dqGECRx For more information on real estate investment solutions please visit http://www.cfpgroup.ca... #realestate #cfpgroup #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Our next Webinar will take place on Thursday, April 16 at 7 PM Eastern time. We will have a very special guest, a Toronto based realtor who participated in more than $2 Billion of transactions over his 30 years career in real estate. Here is a registration link: https://livewebinar.com/80/e9155415a9886f08de3d7b4872744274 See you on Thursday!
Here you can find a recording of our latest Webinar: Past, Present and Future of Real Estate with the special guest: one of the largest developers in Arizona Larry Miller with Matrix Equities https://youtu.be/SS8lWcFYUbc
My latest blog on current situation
Rents have been going up steadily since the economic recession of 2008 -- does that mean 2020 is a good year to start investing in residential real estate? Forbes has this to say: https://lnkd.in/dUnW-Je For more information on real estate investment solutions please visit http://www.cfpgroup.ca For more information on mortgages and borrowing solutions please visit https://borrowandinvest.ca... #realestate #cfpgroup #mortgage #realtors #realestateinvesting #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments
Investing in mortgages is a great investment strategy. It allows participating in deals without purchasing a physical asset but with securing your investment wi...th one. You can even use your registered funds (RRSP, RESP, etc) in this strategy thus not paying immediate income tax on the collected interest. For more information on real estate investment solutions please visit www.cfpgroup.ca For more information on mortgages and borrowing solutions please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Great to see the recovery in home purchasing activity! The article https://lnkd.in/d5MfJ_j mentions the marginal easiness in the mortgage stress test but there ...an additional reason to that: fixed mortgage rates went down and it happened very fast. In fact, some fixed rates are now lower than variable rates which is abnormal. And probably the situation will correct itself soon. Of course, for the real estate investors the fixed mortgage is often not the best option due to high penalties so do your homework - low rate is not the only parameter you need to look at when considering a mortgage product. For more information on real estate investment solutions please visit www.cfpgroup.ca For more information on mortgages and borrowing solutions please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
As expected, on September 04 Bank of Canada maintained its overnight rate. Here is what they stated in the official press release in relation to real estate: H...ousing activity has regained strength more quickly than expected as resales and housing starts catch up to underlying demand, supported by lower mortgage rates. This could add to already-high household debt levels, although mortgage underwriting rules should help to contain the buildup of vulnerabilities. Low mortgage fixed rates environment definitely helped the housing market recovery, let's see if the trend will continue for the remaining of 2019. For more information on real estate investment solutions please visit www.cfpgroup.ca For more information on mortgages and borrowing solutions please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
The FTHBI is considered a Shared Equity Mortgage (SEM) where the Government of Canada has a shared interest in the borrower's property value. This program is av...ailable through the default insurers; Canada Mortgage Housing Corporation (CMHC), Genworth and Canada Guaranty. Borrowers will receive an incentive in the form of an interest-free loan towards their down payment: 5% for the purchase of a resale property OR 5% or 10% for the purchase of a new construction home Here is the official website where you can learn more: https://lnkd.in/dAtU6r8 For more information on real estate investment solutions please visit www.cfpgroup.ca For more information on mortgages and borrowing solutions please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
When investing in real estate, make sure you have a clear understanding of the things you cannot control and prepare a clearly defined Plan B. For example, the ...condo board might decide to disallow the short-term rentals or the city can implement new regulations. According to the article in thestar.com, new rules would put a third of Airbnb listings out of business, and boost housing supply in Toronto. Better be prepared if this happens! You can read the article here: https://lnkd.in/dF3p5SA For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
A word of caution to those planning to buy a pre-construction condo and to assign the purchase to another buyer prior to the closing. The prices in Toronto are ...getting higher and with every increase there will be less and less people capable of taking over the purchase. If you plan on using this strategy, make sure you can close on the condo yourself in case the assignment will not take place. You can read the article here: https://urlzs.com/WfDz For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
The worst is over for Toronto real estate market, this is a prediction that was published in this article https://goo.gl/7nrMGj Most likely, this is a correct p...rediction also taking into consideration that the Bank of Canada does not plan on raising its rate further, at least for a short period of time. Likely we will continue to see a balance market with very moderate price gains. But that also means it is almost impossible for investors to find any positively cashflowing deal in GTA and the investors looking for a monthly income would have to go farther away from the big city. For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Canadian banks have always been very conservative with mortgage lending. That was a major reason we never experienced a big financial crash in 2008. Great to se...e that even with the new mortgage rules and regulations the level of foreclosures did not go up! For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
While the overall housing pricing went down in Canada, some markets remain quite hot. It is encouraging to see that some cities in Ontario are doing well. Some... points to keep in mind however: - One month data is never enough; - Last year we were dealing with new mortgage qualification rules and many deals did not go through; - Most people do not buy houses in winter and the sales could depend on how cold it is out there (and January 2018 was brutal). I personally would probably wait until the Spring, that is a true market signal. For now, we at CFP Group continue to participate in project in other markets that experience tremendous growth. For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
After last year announcement by Zillow, another technology based brokerage is coming to Canada - Redfin is launching soon! It is great news (well, maybe not so ...much for realtors) and the Canadians will have an access to the tools people in USA have been using for years. I personally started to use Zillow in 2010, we posted our first rental property in Florida on this website. A word of caution though - both Zillow and Redfin use technology to assess the property values and their assessments could be off mark. For example, here is an assessment of one of my properties in US Midwest: Zillow $99,655, Redfin $28,063... I believe the true value is around $80,000. For sure not $28,000 :-). So at least for now I would still use a human to assess... Putting that aside, the real estate industry is changing and will never be the same - exciting times! For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Everything goes online these days, so it would be only a matter of time until mortgages will follow the trend. However, just like with online income tax reporting, the mortgage experts are here to stay. Mortgage is a very complicated product with the rate being just a small component of it - most people would still need an advise from a human professional. That is even more critical to real estate investors - remember, access to funds is more important than the mortgage rate.... For more information on real estate investment solutions please visit www.cfpgroup.ca. For borrowing needs please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Congratulations to all of our lending investors who participated in this great project! Thank you for being a part of our lives!
Great news for Canadians - 5 year fixed mortgage rates decreasing (at least for now). Not many real estate transactions are happening these days and probably th...e banks are trying to ease on consumers and to help them purchasing real estate. Let's wait and see what impact this reduction will have on the market. If you are a real estate investor however, please remember that flexibility is often more important than just the rate - fixed mortgages typically come with heavier penalties for mortgage discharge prior the end of the term. In many cases variable mortgage or even Home Equity Line of Credit will be a better borrowing solution. Every situation is different so it is always better to consult with the mortgage professional. For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
According to CBC, 3 million Canadians have home equity lines of credit, but half of them don't know how they work... https://goo.gl/qzTqSA Home Equity Line of ...Credit could be a great tool if you use it correctly. I have been utilizing them for years to invest in our real estate projects - borrowing at 4% to make 20-30% should be a simple decision. However, I would not take those funds to spend even more, for example to go on vacation. There is a good debt and a bad debt... For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Investing in mortgages can help you getting great returns and have your investment backed by real estate while diversifying your portfolio. You can even use you...r registered funds (RRSP, RESP, TFSA, etc.) to invest in mortgages. For more information on real estate investment solutions please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #canada #investments #house
Floating-rate mortgage holders who had feared the Bank of Canadas recent full-steam-ahead view towards continued rate hikes can take a breatherat least for now. Here's why: https://goo.gl/RnDQB9 To view CFP Group current projects please visit https://lnkd.in/dJVa2hd
According to Bank of Canada Senior Deputy Governor, Carolyn Wilkins, the potential problems posed by the housing market would not disappear quickly given they h...ad been building for a long while. To read more on this, please visit https://goo.gl/VjdXD3 To view CFP Group current projects please visit https://lnkd.in/dJVa2hd #realestate #cfpgroup
Senior Deputy Governor Carolyn Wilkins said the central bank will do a side-by-side assessment of alternatives to its inflation targeting regime. Read more about this here: https://goo.gl/U6LFv5 To view CFP Group current projects please visit https://lnkd.in/dJVa2hd
A view behind me is getting more beautiful with every passing day! One of the projects we participate in is near its completion. To view our current projects pl...ease visit https://lnkd.in/dJVa2hd #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment
So the prices of real estate in Toronto started recovering which is a great sign. However, we all should not forget that the current prices comparison is agains...t Summer 2017 and that was in the middle of the market correction. Unfortunately, the prices recovery did not expand to 905 areas. You can read more here: https://www.thestar.com//house-price-gains-largely-bypass- We at CFP Group will continue to invest somewhere else for now. To view our current projects please visit https://lnkd.in/dJVa2hd #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment
My new blog on the trends in US real estate we all can benefit from:
Another great Investors Inner Circle event took place yesterday. Sharing my knowledge and insights with other real estate investors really inspires me, there is... nothing like helping other people. To your success the IIC members and guests who spent last evening with us! #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #investorsinnercircle
Interest rates are going up in across the board but the GTA real estate market is still recovering from the downfall of 2017. Another rate increase might furthe...r impact its recovery process. In our opinion it is currently better to invest in the markets that are currently growing and have a smaller exposure to the increasing interest rates. To view our current projects please visit https://lnkd.in/dJVa2hd #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment
Looks like in GTA we are not out of the woods yet. Let's see if the sales pick up in Fall; Summer is typically a slow period of time. We at CFP Group are not go...ing to change our strategy for now and will stay out of Great Toronto Area until we see the signs of stabilization. We prefer the markets that are are growing substantially. To view our current projects please visit https://lnkd.in/dJVa2hd #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment
The amount of retiring baby boomers in Canada and USA will increase significantly by 2030. Some of them will downsize from their current homes or will move to l...eave in less expensive cities. The rest of the funds might be spent on purchasing the real estate in Southern States of US (Arizona, Florida). We at CFP Group will be there waiting for those buyers with our projects. To learn more on how to capitalize on this trend please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #borrowing
Home sales and prices in Toronto on a rise which is a great sign. Keep in mind however that this numbers are compared to the last year that was very weak in sal...es. Regardless, looks like the market is finally adjusting itself to the reality of higher interest rates. For more information on CFP Group please visit www.cfpgroup.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #borrowing
A great article that explains what mortgage broker can help you with comparing to the bank https://www.thestar.com//mortgage-brokers-vs-banks-the-pro For more information on mortgage options please visit www.borrowandinvest.ca #realestate #cfpgroup #realestateappraisal #mortgage #realtors #HomesForSale #realestateinvesting #investinginmortgages #renttoown #landdevelopment #investinginusa #realestatedevelopment #borrowing
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