Mortgage Calculators

All success stories

Cross-border — client stories

Anonymised client stories from Guaranti Group under cross-border — what the family faced, what we did, and how it turned out.

5 stories

Family loanNo current employment incomeOffshore assetsWith No Current Employment Income, How Did a Couple Refinance a $1.3M Family Loan with a Bank?The team organized the clients' local property, rental income and offshore assets, matched an appropriate high-net-worth review path and converted the $1.3M family loan into bank financing.Read the story Non-residentRetiredPresale completionA non-resident retiree with no employment income was declined by a Big Five bank — Guaranti rematched the policy and secured a $500K mortgageAfter reviewing the client's Canadian properties, local assets and investments, the team matched the file to a more suitable lending policy and secured a $500,000 mortgage for presale completion.Read the story Back to school, income on pause, and a presale completion looming — over $500K approvedThe team built the file around the family's overseas income and submitted; over $500,000 was approved and the presale completed.Read the story Too much existing debt to complete on a presale — moving the purchase to the next generation, $300K approvedThe presale was transferred to the client's child as applicant, $300,000 was approved, and the property stayed within the family.Read the story $70K income, a thin credit file, and a lender asking for a co-signer — rental income and an exception approval, $450K fundedThe team submitted to several lenders and secured $450,000, and the client completed the purchase of his first property.Read the story

Other topics

Pre-construction8 Refinancing8 Bridge financing5 Self-employed5 Credit challenges4 First home4 Private mortgage to bank3 Retirement2 Investment property1 Newcomers1

Cases are anonymized and drawn from real client situations.

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