Jermaine Hinds Mortgage Broker

Jermaine Hinds Mortgage Broker We believe that every customer deserves the best care and service when purchasing or refinancing the For Jermaine, everyone deserves an individualized solution.

Each mortgage application is unique to you, and that's why you need a mortgage broker who cares about you. Jermaine has built his reputation around helping people and getting them mortgage financing that fits their situations for the long-term. He believes that there is no cookie-cutter approach for people when it comes to their mortgage. His knowledge and expertise will help you achieve your long-term goals.

“Thinking about consolidating your debt?”If you’re juggling high-interest credit cards, personal loans, and business deb...
03/27/2025

“Thinking about consolidating your debt?”

If you’re juggling high-interest credit cards, personal loans, and business debt…
A refinance or second mortgage could be a game changer.
• Lower your monthly payments
• Free up cash flow
• Simplify everything into one payment

Tip:
Don’t wait until you’re drowning—refinancing works best when you’re still afloat.

Let’s run the numbers and see if it makes sense for you.

Good News for Entrepreneurs & Investors in CanadaGreat news for entrepreneurs, self-employed professionals, and real est...
03/24/2025

Good News for Entrepreneurs & Investors in Canada

Great news for entrepreneurs, self-employed professionals, and real estate investors: the feared capital gains tax hike isn’t happening! 🎉 You can breathe a sigh of relief – the Canadian government is canceling the planned increase on the tax you’d pay when you sell investments . In short, you’ll keep more money when you profit from selling a property or business.

What does this mean for you? Let’s say you sell a rental property or your company shares with a $100,000 gain. Originally, there was talk of taxing two-thirds of that profit (about $66,667) instead of the usual half . Now, thanks to this reversal, only 50% of your gain is taxable – just as before. That change could save you thousands in taxes on a big sale. 🎁

This policy U-turn is a win for our community. It gives investors like you more confidence to buy, renovate, and sell properties or to grow your business without a surprise tax hit. Even Mark Carney said this will “catalyze investment” and help entrepreneurs expand  – in plain terms, it should boost economic activity in our neighborhoods and industries.

As someone who works with Toronto’s business owners and investors every day, I’m excited about what this means for future opportunities. It’s one less thing to worry about in your financial planning! 💡 Message me if you want to chat about what this could mean for your next move – whether it’s buying another property, selling an asset, or planning for growth. I’m always here to help you make sense of these changes and find the upside for your goals.

🏡 Be Part of Ontario’s Housing Future! 🏡Ontario’s housing crisis demands real solutions. The Affordable Housing Summit 2...
03/19/2025

🏡 Be Part of Ontario’s Housing Future! 🏡

Ontario’s housing crisis demands real solutions. The Affordable Housing Summit 2025 is your chance to collaborate with top government officials, real estate professionals, urban planners, and industry leaders to drive meaningful change in housing, development, and policy reform.

📅 Event Highlights:
🚉 April 28, 2025 – Private site tour of key transit-oriented housing developments in Toronto.
🏛️ April 29, 2025 – Exclusive roundtable discussions with Ontario’s senior government officials, including ministers from Housing, Transportation, and Mental Health.
🤝 Networking Reception – Connect with decision-makers in real estate development, mortgage financing, affordable housing advocacy, and urban planning.

💡 Why You Should Apply:
✅ Influence housing policy and advocate for better solutions.
✅ Network with key stakeholders, including policymakers, developers, and financial experts.
✅ Stay ahead in the industry by engaging in high-level discussions on real estate investment, land development, zoning regulations, and construction financing.

🔹 Who Should Apply?
✔️ Community leaders & housing advocates
✔️ Realtors, mortgage brokers, and developers
✔️ Real estate investors & private lenders
✔️ Urban planners & transit-oriented development experts

📌 Spots are limited! Don’t miss this opportunity to be part of Ontario’s housing and real estate evolution. Apply now at theaffordablehousingsummit.ca

🎓 Exciting news! I am thrilled to announce that I have successfully passed the private mortgage course. 📚 This course ha...
03/30/2024

🎓 Exciting news! I am thrilled to announce that I have successfully passed the private mortgage course.

📚 This course has provided me with in-depth knowledge and understanding of the private mortgage industry, equipping me with the skills to help clients with a wider range of financing options.

💰 I am now a certified private mortgage professional and can offer my clients tailored solutions to meet their unique needs.

🤝 I am eager to utilize my new skills and expertise to help individuals and families achieve their dream of homeownership.

🏡 Thank you to my instructors and colleagues for their support and guidance throughout this journey. 🙏

Self-employed who are a nightmare on paper may be able to qualify for a mortgage through the Declared Income program. T...
02/24/2024

Self-employed who are a nightmare on paper may be able to qualify for a mortgage through the Declared Income program. This program allows borrowers to state their income to qualify for a mortgage. Terms and conditions apply. Available in Ontario only. DM me for details.


Ask me how you can bundle a 1st and 2nd equity take out up to 90% LTV. This product is eligible in British Columbia, or ...
02/28/2022

Ask me how you can bundle a 1st and 2nd equity take out up to 90% LTV.

This product is eligible in British Columbia, or Ontario, for owner-occupied and rental properties in/near major cities.

Perks include:
- extended TDS, more than the conventional TDS from banks
- fast funding in 48 hours
- no mortgage default insurance premium

Ask me how you can qualify for this today.

02/27/2022

When you are purchasing a property, the conventional lenders will allow you to borrow up to 80% of the appraised value of your new home without any mortgage default insurance.

When you are taking equity out of your property, similar to when you were purchasing, the conventional lenders will also limit the amount they will lend on a home-equity loan to 80% of the appraised value.

However, there are alternative institutional lenders who will enable you to take out a first and second mortgage of up to 90% of the appraised value for an equity-take-out refinance.

This 90% LTV program allows you to borrow more money against the equity in your home.

Ask me how you can bundle a 1st and 2nd equity take out up to 90% LTV.

Total Debt Service ratio is a percentage of total debt services in ratio to the gross income of all borrower(s) register...
02/26/2022

Total Debt Service ratio is a percentage of total debt services in ratio to the gross income of all borrower(s) registered on Title.

Mortgage lenders use the TDS ratio to limit the loan amount they are willing to underwrite in a mortgage. An extended TDS ratio means a higher TDS limit, which means the lenders are willing to give you a bigger loan for the same amount of gross income.

In other words, you can qualify for a bigger Purchase Price for the same gross income.

Maybe you can finally win a bidding war after all.

Yes, you can. I have access to a couple of equity lenders that go up to 90% Loan-To-Value for rental properties in major...
02/25/2022

Yes, you can. I have access to a couple of equity lenders that go up to 90% Loan-To-Value for rental properties in major cities without paying a mortgage default insurance premium.

This program gives you 10% more borrowing capacity than conventional lenders when refinancing for equity-take-out.

Most lenders will limit the refinancing up to 80% LTV. But with Matrix Mortgage Global, you work with specialty institutional lenders too.

Loan To Value (LTV) refers to the mortgage loan amount in ratio to the property value.Mortgage lenders use LTV to specif...
02/23/2022

Loan To Value (LTV) refers to the mortgage loan amount in ratio to the property value.

Mortgage lenders use LTV to specify the maximum mortgage amount they are willing to lend to a borrower.

For example, when a mortgage lender gives a refinancing option up to 90% LTV on a $950,000 property value means that the borrower can take out equity up to $855,000 in a mortgage loan.

Ask me about institutional lenders in Ontario who give 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘂𝗽 𝘁𝗼 𝟵𝟬% 𝗟𝗧𝗩 without paying for mortgage default insurance premium.

Address

100 Consilium Place Suite 200
Toronto, ON
M1H3E3

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 10am - 9pm
Sunday 9am - 9pm

Telephone

+16472779487

Website

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