Mortgage Investments offer secured, fixed and predictable returns. The rate, lender fee and term on the mortgage are all negotiated upfront before the funds are disbursed. Unlike unsecured stocks, bonds, or mutual fund investments, the secured mortgage investment earnings are predetermined upfront. You know what you are getting when you invest. Mortgages do not have the market volatility that stocks and mutual funds possess. Private mortgage investments are much shorter than traditional mortgages provided by banks or credit unions. These mortgages are usually written up for a maximum of a one-year term and require borrowers to pay interest only. Terms of mortgage investments normally range from 6 months to 2 years, but will be up to the investor entirely.

Sandhu Capital packages the opportunity for the investor diligently. Full upfront disclosure is made. From presenting low loan to value opportunities to disclosing the borrower’s credit status and borrowers ability to make payments. Above that, Sandhu Capital will retain an approved accredited appraisal company to conduct an independent evaluation of the property. The investor is further secured by choosing and retaining their own legal representation in every single transaction. Furthermore, this expense is paid for by the borrower. We truly believe that mortgage investments is a Win-Win situation for everyone in each transaction.

Our investors have discovered high returns, low risk, and strong cash flow that these mortgage investments provide. See below an example of a mortgage investment made by an investor.

Example:

Investment: $500,000
Property Value: $900,000
Loan-to-Value: 56%
Interest Rate: 10%
Lender fee: 1%
Term: 12 months

In this scenario, the investor will receive monthly interest payments in the amount of $4,166.67 for 12 months and an upfront fee on the date of funding which will be deducted from the funds advanced, in the amount of $5,000. The lender and borrower legal fees will be covered by the borrower. The appraisal costs will also be covered by the borrower. For an investor, an investment opportunity such as this is very attractive due to the fact that the investor bares no cost on the initial $500,000 investment.

Sandhu Capital is the brand behind mortgage broker Amit Sandhu, who arranges private financing across the Lower Mainland, BC. Anyone interested in more information about investing in mortgages can reach us by email at amit@sandhucapital.ca or by phone at 604-706-1000