Attention

Rent rising, savings lagging? You’re not alone.

Interest

We finance part of your down payment and pair it with the right mortgage.

Desire

Move in this year instead of waiting five more.

Action

Apply now — let’s map your purchase together.

1) 2.5% Down Payment Financing

Low-rate facility covering part of your down payment; pair with your primary mortgage via an accredited broker. No prepayment penalty.

2) Insured Mortgages

High-ratio loans supported by mortgage insurance (eligibility & property caps apply). Often lowers the required down payment.

3) Bridge Loans

Short-term funding that closes timing gaps between the sale of your current property and the purchase of the next.

4) Vendor Take-Back (VTB)

Seller provides financing as a second (or shared) mortgage to help you qualify or optimize cash at closing.

5) Rent-to-Own Pathways

Lease with option to purchase; a portion of rent accrues toward your future down payment.

6) Shared Equity / Co-Investment

Equity partner contributes down payment in exchange for a share of future appreciation; lowers monthly payments.

7) HELOC & Second Charge

Revolving/term credit secured by equity for improvements or buffers. Use prudently due to rate variability.

8) Guarantor / Co-Signer

Qualified guarantor strengthens your debt service metrics while you build your own ratios.

9) Government Programs (where available)

Stack credits or shared-equity schemes with your mortgage plan for affordability.

10) Rate Buydown & Blends

Use points or blended structures to reduce early-year payments; revisit at refinance checkpoints.

1) LC-Backed Developer Deposit Protection

Instruments: LC MT700 + APG (URDG 758). The LC secures buyer deposit; APG protects developer’s advance. Release via milestones.

2) SBLC-Backed Equipment Lease for Renovations

Instruments: SBLC MT760 + Lease. Landlord upgrades funded by lessor; SBLC acts as credit enhancement for term lease.

3) Advance Payment Guarantee with Milestone Escrow

Instruments: URDG 758 APG + escrow account. Buyer’s prepayment secured; contractor draws against verified milestones.

4) Confirmed LC with Partial Shipments + Discounting

Instruments: LC MT700 (43P=ALLOWED) + Confirmation + Discounting. Each tranche documents, bank discounts post-presentation.

5) Export SBLC (ISP98) + Forfaiting

Instruments: SBLC MT760 (ISP98) discounted/forfaited to accelerate exporter cash flows upon compliant demand.

6) MT740 Reimbursement Chain

Instruments: Issuing LC (MT700/710) + MT740 to reimbursing bank. Confirming bank claims; reimbursing bank pays per authorization.

7) Shared Equity + Insured First + Small VTB

Stack: Equity co-investor + insured first mortgage + modest seller note to optimize affordability and approval.

8) Construction-to-Perm + Performance Bond

Stack: Draw-based construction loan with holdbacks; performance bond reduces completion risk; permanent takeout on C/O.

9) Senior + Mezzanine + Interest Reserve

Stack: Senior loan for bulk capex; mezzanine fills equity gap; interest reserve funds carry during stabilization.

10) Green Grant + On-Bill Finance + ECA Cover

Stack: Efficiency grants + utility on-bill financing + export credit agency cover to lower WACC for retrofits.

Checklist (Buyer)

• ID, purchase agreement
• Pay stubs & employment letter (or self-employed proofs)
• Broker pre-approval
• Down payment source evidence
• Notary contact

Typical Timeline

• Pre-approval: ~48h
• Underwriting & property docs: 1–2 weeks
• Closing with notary: ~2–3 weeks total