Brokers
A Big Alternative to Conventional Mortgage
Sagewise Capital provides different types of mortgage solutions to mortgage brokers who originate different types of loans. Our Lending programs are designed to adapt to the various needs of our broker community. We provide common sense lending and base our decision. We provide the Mortgage Brokerage Community with a variety of lending programs and value the strong relationship we share with the Mortgage Brokerage Community.
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Administrator License #12709
Lending Guidelines
- 2nd mortgages up to 85% LTV
- Specializing in residential properties/ rentals /retail condos/multiplex
- Interest rates from 9.99% – 13.99% per annum – based on LTV, location, loan size
- Lender Fee from 5%
- 1-2 year terms
- Subject to satisfactory appraisal determined by SCC24h turnaround time for quotes/commitments
- Property tax arrears – Accepted
- Bankruptcy – Accepted – must be discharged (no waiting period)
- Conditions: 1st mortgage statement, fire insurance policy, recent property tax bill
Investors
Sagewise Capital seeks to generate a consistent and above-average return on investments for our clients and shareholders through a professionally managed portfolio.
Investing in Sagewise Capital
Sagewise Capital offers individuals with limited funds and expertise the opportunity to participate in mortgage investment. With extensive market knowledge and experience in real estate, the fund provides a well-diversified mortgage portfolio with above-average returns, low risk, and regular income without the need for large investments or portfolio management.
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Primary investments include:
- Relatively low-risk first and second residential mortgages, and may have a commercial mortgage.
- The Fund looks to mitigate the risks associated with mortgage investments by combining several high-quality mortgages into a diversified pool.
- The Fund also has the ability to invest in publicly traded bonds to ensure the targeted yield is achieved.
- The Fund’s primary focus is investments in hard assets; such as mortgage investments, and may have exposure to soft assets in early development stages that are categorized as equity.
Borrowers
As we offer a complete line of lending programs for the residential and commercial real estate markets including mezzanine and joint venture programs. Our loan service programs are competitively priced.
We offer 2nd mortgages up to 85% LTV
- Residential properties/ rentals /retail condos/multiplex
- Freehold or Condo
- Subject to satisfactory appraisal determined by SCC
- 24h turnaround time for quote/commitments
- GDS/TDS – Not applicable
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Sagewise Capital Lending Programs
Construction and Development Lending
- In-fill and subdivision residential construction loans for freehold and condominium projects
- Land servicing and building lot loans
- Construction loans for mid-rise & high-rise condominium projects
- Construction lending for custom homes & renovation programs
- Land loans for residential and commercial sites, parking lots, and hi-rise sites
- Large Construction Loan Program Across Canada
Investment Property Financing
- First Mortgages for industrial, commercial, and retail properties, including warehouses, stores and apartments, and all types of income-producing properties
- Apartment buildings 1st, 2nd, and 3rd mortgages for acquisitions, refinancing, and renovation purposes including short-term bridge loans and long-term fixed-rate loans
- Mobile Home Parks – 1st and 2nd mortgages for purchases, refinancing, and development expansion
- Small Commercial Program: 1st mortgages on retail stores with apartments above
Short Term Lending , Bridge Financing , Special Situations
- In-fill and subdivision residential construction loans for freehold and condominium projects
- Land servicing and building lot loans
- Construction loans for mid-rise & high-rise condominium projects
- Construction lending for custom homes & renovation programs
- Land loans for residential and commercial sites, parking lots, and hi-rise sites
- Large Construction Loan Program Across Canada
Mortgage Banking
Your Alternative Lender
Sagewise Capital specializes in mortgage financing and offers a broad range of mortgage products and a high level of personal and professional service to clients. We offer competitive rates and fees and have the ability to provide immediate approvals and commitments. For several years we have been committed to structuring creative transactions that meet the needs of our broad clientele.
Sagewise Capital Mortgage Services
Our management team consists of dedicated professionals with extensive backgrounds in real estate lending consulting as well as investment banking, investment management, accounting and law.
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