Real Wealth Group

Who are We

• Integrated Mortgage Broker• We Provide Solutions• Borrowers• Investors

Who is Justin Rosello

• Justin Rosello is a sophisticated underwriter with over 15 years experience in both institutional and private transactions.

• He is a Mortgage Broker and holds an AMP designation.• Justin’s professional experience includes positions at MCAP, National Bank and top producing

mortgage brokerages. Justin studied Business Commerce at Ryerson University and International Business at Seneca College.

Today’s Presentation

Today we will discuss the following:- Mortgage Lending- Mortgage Investments - Private Mortgages

Definition

“A debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a

predetermined set of payments”

Investopedia

What is it used for

Borrower Perspective

The Borrower knows the following• Amount borrowed• Payments and Frequency• Legal requirement

Lender Perspective

Prior to Funding, the Lender knows the following• Borrower and sources of income• Underlying Security • Frequency and Timing of Payments• Steps in case of Default• How interest is Taxed

Significance to Market

• Real estate is the largest sector in Canada• Most properties are mortgaged• Majority of Bank Assets

Mortgage Lending

• 5 Step Process• Application• Underwriting• Approval• Funding• Servicing

• “My Bank will Lend me Money”

What Lenders Look For The 5 C’s of Credit

• Credit• Character• Capacity• Capital• Collateral

Changes In the Industry

More difficult to obtain funding:

• Hot Real Estate Market Affects Affordability• OSFI rules governing Institutions• CMHC Insurance• Casualties• Business for Self• Second Properties

OPPORTUNITY for PRIVATE LENDING

What a Borrower Needs

• Independent Solution suitable for their personal needs and objectives

How Real Wealth Helps Clients

• Assist Borrowers with Solutions• Introduce Investment Opportunities• Underwrite• Service

How Real Wealth Underwrites and Assess Risk• Get to know the file – intimately • Know the Borrower • Understand the Property (security)• Assess Affordability (suitability)• Appraisal• Lawyer • Understand exit strategy

Mortgage Lending

• You Become the Bank

• You Select the Risk you want• Security• Borrower

• You select the Investment Terms• Interest Rate• Term

Did You Know

• Mortgages are RRSP, TFSA, RRIF Eligible• Carry no management fees (except deferred accounts)• Transferable

How We Work With Advisors

• Get PAID Program • Borrowers needing funding• Investors seeking Yield

We’ve been operating with our financial advisors since 2006, we do everything for the client and advisor including paying a referral fee.Turn Key Back Office

Case Study

• Self Employed

Case Study

• Bridge Loan

Case Study

• Construction Loan

Case Study

• Cottage

Summary

• For more information, contact• Justin Rosello, AMP

• jrosello@realwealthgroup.ca