1. Real Wealth Group

2. Who are We Integrated Mortgage Broker We Provide Solutions Borrowers Investors

3. Who is Justin Rosello Justin Rosello is a sophisticated underwriter with over 15 years experience in both institutional and private transactions. He is a Mortgage Broker and holds an AMP designation. Justin’s professional experience includes positions at MCAP, National Bank and top producing mortgage brokerages. Justin studied Business Commerce at Ryerson University and International Business at Seneca College.

4. Today’s Presentation Today we will discuss the following: -Mortgage Lending -Mortgage Investments -Private Mortgages

5. Definition “A debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a predetermined set of payments” Investopedia

6. What is it used for

7. Borrower Perspective The Borrower knows the following Amount borrowed Payments and Frequency Legal requirement

8. Lender Perspective Prior to Funding, the Lender knows the following Borrower and sources of income Underlying Security Frequency and Timing of Payments Steps in case of Default How interest is Taxed

9. Significance to Market Real estate is the largest sector in Canada Most properties are mortgaged Majority of Bank Assets

10. Mortgage Lending 5 Step Process Application Underwriting Approval Funding Servicing

11. “My Bank will Lend me Money”

12. What Lenders Look For The 5 C’s of Credit Credit Character Capacity Capital Collateral

13. Changes In the Industry More difficult to obtain funding: Hot Real Estate Market Affects Affordability OSFI rules governing Institutions CMHC Insurance Casualties Business for Self Second Properties OPPORTUNITY for PRIVATE LENDING

14. What a Borrower Needs Independent Solution suitable for their personal needs and objectives

15. How Real Wealth Helps Clients Assist Borrowers with Solutions Introduce Investment Opportunities Underwrite Service

16. How Real Wealth Underwrites and Assess Risk Get to know the file – intimately Know the Borrower Understand the Property (security) Assess Affordability (suitability) Appraisal Lawyer Understand exit strategy

17. Mortgage Lending You Become the Bank You Select the Risk you want Security Borrower You select the Investment Terms Interest Rate Term

18. Did You Know Mortgages are RRSP, TFSA, RRIF Eligible Carry no management fees (except deferred accounts) Transferable

19. How We Work With Advisors Get PAID Program Borrowers needing funding Investors seeking Yield We’ve been operating with our financial advisors since 2006, we do everything for the client and advisor including paying a referral fee. Turn Key Back Office

20. Case Study Self Employed

21. Case Study Bridge Loan

22. Case Study Construction Loan

23. Case Study Cottage

24. Summary For more information, contact Justin Rosello, AMP jrosello@realwealthgroup.ca