Rui Alberto Maia,
Your Mortgage Broker of
Trusted
Alternative Mortgage Financing : A Solution Tailored to Your Situation
Traditional lenders often impose strict criteria, thus excluding many individuals with unique financial situations. As a mortgage broker, I offer alternative mortgage loan solutions tailored to your needs.
Our personalized financial solutions, including mortgage refinancing, help you achieve your financial goals, even if you have been turned down by traditional lenders.
We offer flexible loan options tailored to your unique financial situation:
- Mortgage loan for property purchase : Get financing up to 80% of the property’s value.
- Mortgage refinancing : Unlock your property’s equity to achieve your financial goals.
- Debt consolidation : Simplify your repayments with flexible options and streamline your debts.
- Consumer proposal : Repay your consumer proposal to restore your credit report.
- Tax repayment : Use the equity in your property to pay off your taxes and get up to date.
- Mortgage financing for self-employed workers : Whether for a purchase or refinancing, several options are available for self-employed workers.
- 60-day notice or mortgage loan reminder : We can help you repay your current lender and guide you in restoring your financial situation.
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Our types of mortgage lenders include:
Mortgage loan with a regular lender : Get financing tailored to your situation.
Specialized lender mortgage loan : Home Trust, Equitable Bank, Haventree, and B2B Bank are examples of specialized lenders offering alternative mortgage loans.
Alternative lender mortgage loan : Offered by non-bank lenders with less stringent qualification criteria than traditional options.
First and second mortgage private loans : Secured by your property, this loan offers flexibility for those who do not meet the criteria of financial institutions.
My services and types of mortgage loans
Alternative Mortgage Loan
Mortgage financing with an Alternative Bank. Rates starting from 6.15%.
Ideal for the self-employed, people with a weak credit record, bankruptcy or consumer proposal.
Financing up to 80% of the property value.
Mortgage loan with private lender
Financing with a professional private lender. Rates starting at 9%.
Ideal for self-employed workers without proof of income, weak credit history, bankruptcy or consumer proposal.
Financing up to 75% of the property value.
Credit file correction
Financing with a professional private lender. Rates starting at 9%.
Ideal for self-employed workers without proof of income, weak credit history, bankruptcy or consumer proposal.
Financing up to 75% of the property value.
Explore Your Mortgage Options
Ready to take the next step? Contact me for a personalized consultation today.
Speak to an expertWe assist individuals facing financial challenges such as:
- Low credit scores
- High debts
- Individuals who have declared bankruptcy or entered into a consumer proposal.
- Irregular income due to self-employment
- Unique financial needs and goals
Get a free consultation today!
Ready to take the next step? Contact me for a personalized consultation today.
Speak to an expertOur approach:
- Free consultations: Let’s work together to understand your specific situation and develop a tailored solution.
- Expert advice and support: Clear communication throughout the process to ensure you stay informed and confident.
- Simplified approach: Efficient and stress-free process tailored to your needs.
Don’t limit your possibilities. Explore the potential of alternative mortgage solutions. Contact me today for a free consultation, and together we will find the path to your financial well-being.
Optimize Your Financial Situation with Our Refinancing Solution
Mr. Smith Case: A Tailored Refinancing Solution
Initial Problem:
Mr. Smith was dealing with significant debt and high monthly payments from multiple credit sources, which reduced his available cash flow.
- Remaining mortgage: $235,000 (monthly payment of $1,676, interest rate of 3.49%, amortized over 15 years)
- Personal loan: $20,000 (monthly payment of $626.73, interest rate of 8%, amortized over 3 years)
- Credit cards: $30,000 (minimum monthly payment of $1,350, average interest rate of 19.99%)
Total monthly payments: $3,652.73
Proposed solution:
We helped Mr. Smith consolidate all his debts into a new mortgage of $285,000, with a fixed interest rate of 4.74% over 5 years and a new amortization period. Two amortization options are proposed:
- New mortgage (15 years): $285,000
- New monthly payment: $2,209
- Monthly savings (with 15 years): $1,443.73
Or :
- New mortgage (20 years): $285,000
- New monthly payment: $1,833
- Monthly savings (with 20 years): $1,819.73
Benefits of Refinancing:
Increased cash flow:
With monthly savings of $1,443.73 (over 15 years) or $1,819.73 (over 20 years), Mr. Smith has more resources to save, invest, or handle unexpected expenses.Reduction of monthly payments:
By consolidating his debts into a single loan with an interest rate of 4.74% over 5 years, Mr. Smith saw his monthly payments decrease from $3,652.73 to $2,209 (15 years) or $1,833 (20 years).Credit score improvement:
The full repayment of credit card debt boosts his credit score, paving the way for better financial opportunities.
Why choose my services?
- Expertise: Over 25 years of experience in the financial sector.
- Personalization: Solutions tailored to your personal and financial situation.
- Support: Comprehensive guidance throughout the refinancing process.
Are you ready to transform your financial life?
Contact us today for a free consultation and discover how we can help you achieve lasting financial freedom.
Speak to an expert
I am a mortgage broker affiliated with Orbis Mortgage Group and accredited by l’Autorité des Marchés Financiers (AMF : Autorité des Marchés Financiers).
Also, I have over 25 years of experience in the field of Financial services, particularly in mortgage and commercial financing.(LinkedIn Profile). I have access to more than 20 professional mortgage lenders and other professionals.
You will therefore receive an exceptional service, with recommendations adapted to your situation. I always carry out my work with integrity. That’s why you’ll get your mortgage at the best rates and conditions.
Testimonials from my clients
Rui Alberto Maia - Courtier Hypothécaire
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100% Recommended!!! Excellent service, Mr Maia can manage your mortgage process very professional. He has the knowledge to … More make every step simple, well documented and with several options to get the better rates with the financial institutions. Non stress and always have the answer and solutions. He was super helpful with our second mortgage process and will be our broker for the future. Would 💯% recommend to my friends!
Why wait!!!
Contact me for a free consultation!
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