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Race Line Capital Inc.

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Canada
Vaughan, ON
Race Line Capital Inc.

Residential | Commercial | Private Mortgage Financing
Powered by IDMI @ The Mortgage Centre
Brokera Race Line Capital Inc.

serves the lending needs of real estate professionals, builders, individual home buyers and investors. We have access to a full range of mortgage sources and are dedicated to finding the right solution–with the best rates, terms and costs–to meet our clients’ unique needs.

09/19/2022

“The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one.” - Mark Twain

For many, home ownership seems out of reach with today’s price. We have many solutions to fit any budget and situation.
How to get started:
1. Building down payment with automated savings program.
2. Take advantage of Government programs.
3. Protect & Improve credit.
4. Minimize your expenses. This will take some sacrifice.
5. Seek out your dream team of professionals.
6. Seek out multiple income streams (part time business/job)

Let us help you realize your dream ..plan & execute. 🎯

Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

09/15/2022

Factors determining your interest rate…

Being aware of what effects your interest rates will help you prepare for your next move..

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

09/13/2022

What to ask yourself while searching for a home.

* Can I afford it?
* Does it fit my lifestyle?
* Are there any red flags? (maintenance neglect, age of home, money pit?)
* Will it suit my future needs (family, community, career)
Please give me a call to discuss your next move.

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan a build together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

09/07/2022

The Bank of Canada raised interest rates by .75 basis points to 3.25% this morning. This is the 5th rate hike for 2022.
To understand how this affects you and your mortgage, give me a call or DM.

📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

08/11/2022

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

08/10/2022

Your Home Buying A-Team.

There are four major components to any successful home buying A-Team:

Mortgage professional
Realtor
Home inspector
Lawyer

Each of these individuals is important to various aspects of the home buying process.

My objective is to form lifelong relationships with the families I serve. As a dedicated financial planning professional I fully understand my clients and their unique position. Many times this often results in finding the best product for my clients, providing them the best possible plan to ensure their financial success.

Contact me today - find which professionals I recommend..

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

08/09/2022

9 Reasons People Break Their Mortgage.

1. Sale and purchase of a new home - if you are considering moving plan carefully at renewal, this will save you big $$$4

2. To utilize equity - paying off debt, investments, buy a 2nd home, pay for education, help out elderly parents

3. To pay off debt - opportunity to roll all payments into 1 + save on interest

4. Cohabitation, marriage and/or children - families merging looking to purchase new family home

5. Divorce or separation - may have to divide up equity or buy out

6. Major life events - unexpected and out of control circumstance - illness, umpemployement death of someone on title.

7. Removing someone from title - cosigner doesn’t have to be on title anymore

8. To get a lower interest rate - opportunity arises from a decrease in rate

9. Pay off the mortgage - congratulations, made it to the finish line

Some of these reasons are avoidable, while others are not. Unfortunately, life happens. That’s why it is best to seek the advice of an expert. Please give me a call to discuss your next move.

📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

08/08/2022

3 Advantages of a Pre-Approval

Mortgage pre-approval means that a lender has stated (in writing) that you do qualify for a mortgage and what amount, based on submitted documentation of your current income and credit history.
A pre-approval usually specifies a term, interest rate and mortgage amount and is typically valid for a brief period of time, assuming various conditions are met.
There are three benefits to pre-approval including:

1. It confirms the maximum amount you can afford to spend

2. It can secure you an interest rate for 90-120 days while you shop for your new home
 3. It lets the seller know that securing financing should not be an issue

Start Your Home Building Process With Race Line Capital 🏁🏎

Lets plan a build together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

07/25/2022

Building a Home - 🏡👷‍♂️💸

Building a new home is an exciting adventure that requires careful planning. Here are 5 of the most important things to consider:

1. It’s All In The Numbers: Whether you are shopping for a pre-built home, or are looking to create your own from the ground up, it is vital to know what you can afford and stay within it. Overall, the average cost to build a house can range $300,000 to $350,000 for 1,000 square feet to double or triple that amount. ****These costs don’t include the land.

2. Choose a Reputable Builder: When it comes to determining the head contractor for your project, careful research is needed. Ask for references and to visit job sites and completed work.

3. Build a Home For Tomorrow: Avoid personalizing to the point that it effects resale value. Build a home that suits the neighborhood. If that time should ever come, you will want to be able to appeal to all buyers.

4. Go Green! Now more than ever before energy efficient upgrades are easy to add to your home. To make your home as efficient as possible, it is important to incorporate these options into your design BEFORE you start building.

5. Understand The Loan: Lastly, beyond the costs and design of building a new home, what does a mortgage look like for an unbuilt home? In many cases, this is where a “construction mortgage or a draw mortgage” might come into play. In order to properly qualify for financing on an unbuilt home, I suggest you provide me with a budget that includes both hard and soft costs, as well as the reserve of money you plan to have set aside in case you run into unexpected events.

Start Your Home Building Process With Race Line Capital 🏁🏎

Lets plan a build together.
📲 or 💬 @ 647.281.5634.

🏁🏎

07/22/2022

Welcome to Canada…
If you are already a Permanent Resident or have received confirmation of Permanent Resident Status, you are eligible for a typical mortgage with a 5% down payment - assuming you have good credit.

If you have limited credit, or have not yet qualified for Permanent Residency, there are still options! In fact, there are several ‘New to Canada’ mortgage programs through Mortgage Insurance providers. Please note, for these programs you will typically require a valid work permit is valid up to 3 months post-purchase date.

To qualify for these New to Canada programs, you must have immigrated or relocated to Canada within the last 60 months and have had three months minimum full-time employment in Canada.

If you are unsure of your options or want to make sure you get the best mortgage product possible, please don't hesitate to contact me. As a dedicated mortgage professional, I have access to dozens of lender options, which will allow me to find you the best options. I would love to set up a virtual appointment to discuss your financial history, goals and the mortgage process

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

07/19/2022

Frustration can set in when it comes to shopping for your perfect home. Most homes come with flaws and in need of some TLC - old paint or flooring, outdated fixtures or perhaps more extensive repairs are needed. For some, these deficiencies may be a dealbreakers.

If you are looking into a home that requires improvements, there is a mortgage product known as Purchase Plus Improvements (PPI). This type of mortgage is available to assist buyers with making simple upgrades - including paint, flooring, windows, hot-water tank, new furnace, kitchen updates, bathroom updates, new roof, basement finishing, and more.

Depending on the type of mortgage the Purchase Plus Improvements (PPI) product can allow you to borrow between 10% and 20% of the initial property value for renovations.

Contact me today - find out how this product works and what it takes to qualify.

Start Your Home Buying Process With Race Line Capital 🏁🏎

Lets plan your next move together.
📲 or 💬 @ 647.281.5634.

Proudly helping families become debt free and financially independent for the past 23 years.

🏁🏎

07/15/2022

A few ways to teach your kids about money:
1. Read age-appropriate stories about money, spending, and saving.
2. Have a savings competition! Whoever saves the most can receive a bonus!
3. Set up a family savings jar and come up with a goal you’re saving for – like a special trip or activity in the future.
4. Consider using an allowance as a learning tool - let them budget for their own toys.

Please contact me if you would like more information or would like an opinion on your existing portfolio or financial plan.
📲 or 💬 @ 647.281.5634.
🏎 🏁

Address

4040 Steeles Avenue
Vaughan, ON
L4L5Y4

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