Mortgage Calculators

All success stories

Pre-construction — client stories

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

8 stories

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 Presale completionValuation riskIncome qualificationPresale valuation at risk and income on the books too low — Guaranti solved both at once, $600K approved without touching the client's term depositsThe team solved both the valuation and income sides at once — $600,000 was approved within days, without the client having to break into a large term deposit.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 The presale appraised below the purchase price — a lender using a blanket assessment, $500K at 80% of the contract priceA lender applying a blanket assessment allowed the loan to be based on the original purchase price — $500,000, or 80% of it, and the completion went ahead.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 Retired with no regular income and $200K short at completion — a private loan at 4.89%A private loan at 4.89% covered the shortfall, and he completed on time and moved into the home he had been waiting for.Read the story More than half down and still declined under a newcomer program — $1M approved with days left before closingA re-worked financing strategy and the right lender produced a $1 million approval within days, and the purchase closed on time.Read the story Under a year running the store, paperwork missing — rental income and a forward view of the business, $360K approved$360,000 was approved — around ten times her reported income — and the purchase completed.Read the story

Other topics

Refinancing6 Bridge financing5 Cross-border5 Credit challenges4 First home4 Self-employed3 Retirement2 Newcomers1

Cases are anonymized and drawn from real client situations.

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