ICC – Helping People For Improving Lives

Mortgage services

ICC Services

Find The Right Home For Your Budget

Fund your dreams

Mortgage Transfer Tax

Transfer your mortgage with ease with our expert consulting on Transfer Tax.

Save money

Mortgage Affordability

Determine your mortgage eligibility with our expert affordability consulting services.

Get more space

Mortgage Insurance

Protect your investment with our expert Mortgage Insurance consulting services.

Manage your house

Mortgage Payment

Manage your mortgage payments with ease with our expert consulting services.
Buying a home? We'll take care of everything!
Buying a home? Our expert mortgage consulting services will take care of everything from finding the best rates to closing the deal hassle-free.
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Simplify the loan

Residential Mortgage

ICC Residential Mortgage

What Is A Residential Mortgage?

A residential mortgage is a large long-term loan taken out by one or more individuals to buy a home for residential use. Whether you are a first-time buyer, selling up and buying a new home to move into or remortgaging, you will need one if you plan to live in the property yourself.

Commercial Mortgage

Commercial Mortage

#1 Commercial Mortgage Broker Toronto

  • Access reduced premiums and longer amortization periods on a commercial mortgage.
  • Get a commercial mortgage of up to 95% of the value of your property.
  • Up to 50 years amortization.

About ICC Commercial Mortgage

Our mortgage Facilities are available for both new and existing projects

We are willing to look at uniquely positioned properties provided there is an exit strategy ranging from 6 month to 2-year terms. We understand each mortgage provides its own unique challenges and we are willing to be creative to accommodate the needs of each specific Borrower.

We can help you navigate every aspect of the land development and construction business. Our experts have experience across many fields and industries. With services and advice tailored to your needs and goals we can support you throughout every stage of your journey.

3 Step Commercial Mortgage Process

With a commercial mortgage application the income derived from the property is an important part of the transaction.

01

Apply using our Online application

Use our online mortgage application or call me to get started. There’s no cost, and the application takes only minutes, we wil go through the process and the documents required for your loan to be funded.

02

Get Approved

Once approved and you have signed the commitment, we will send the documents to you solicitor for your review.

03

Receive Your Funds

Once you have signed off on the mortgage and the mortgage is registered by the lawyers, you will receive funds.

Why Us?

Why Choose US

We Provide Commercial Mortgage for

Private Mortgage

ICC Private Mortgage

What Is A Private Mortgage?

A private mortgage is an alternative source of financing provided by a private lender to a borrower when a traditional bank or lending institution refuses to approve a borrower for a mortgage or home refinance loan. They are typically interest-only loans with terms ranging from 6 months to 3 years. Our experienced mortgage agents at Clover specialize in locating the best private lender who will provide you with the best option for your needs and specific financial situation.

Types Of Private Mortgage Lenders

Individual lenders:

When an individual invests their own money in private lending, they are considered an individual lender.

Syndicate investors:

A syndicate mortgage is created when a group of investors pool their personal funds to invest in a single mortgage.

Mortgage investment corporation (MIC):

A Mortgage Investment Corp. is formed when a group of investors pool their personal funds and make them available to invest in several different mortgages at the same time, provided that the borrowers meet specific criteria to qualify for the loan.

For some Canadians, qualifying for a mortgage has always been difficult. Since the introduction and subsequent amendments to the B20 guideline, as well as the ever-increasing price of homes, it has become difficult for many people, including those with the best credit scores. For most home buyers, obtaining a private mortgage is their only option for purchasing a home.

There has been an ever-increasing amount of private lenders offering private mortgages in Canada, most are called Mortgage Investment Corporations (MIC’s) with varied of guidelines, rates, and fees.

If you need a private mortgage because your income does not meet the guidelines of A or Alternative lenders, my knowledge of private lenders could be beneficial to you and save you thousands of dollars in fees by asking the right questions on your behalf.

Please call us at your earliest convenience or fill out the contact form with the best time to contact you, and I will be delighted to offer our services.

Refinancing

ICC Refinancing

What Is Refinancing ?

Refinancing is the process of replacing an existing loan or debt obligation with a new one that has more favorable terms. The goal of refinancing is usually to reduce monthly payments, lower interest rates, or shorten the loan term. Refinancing can be an excellent option for individuals or businesses that are struggling to keep up with their existing debt payments or want to save money on interest charges.

In Canada, refinancing is a popular strategy for homeowners who want to access their home equity to pay off high-interest debt or fund home improvements. With a mortgage refinance, homeowners can borrow against their home’s equity and use the proceeds to pay off other debts or make investments. This can help reduce overall debt levels and improve cash flow.

Refinancing can also be a smart option for businesses that have high-interest loans or credit card debt. By refinancing these debts, businesses can save money on interest charges and reduce their monthly payments, which can help improve cash flow and profitability.

When considering refinancing, it’s essential to weigh the costs and benefits carefully. Refinancing can come with fees and other charges, so it’s important to understand all the costs involved and compare them to the potential savings. It’s also important to consider the long-term implications of refinancing, such as how it will impact credit scores and overall debt levels.

Overall, refinancing can be a powerful tool for improving cash flow, reducing debt, and saving money on interest charges. If you’re considering refinancing, it’s essential to work with a reputable lender or financial advisor who can help you understand your options and make informed decisions.

ICC Business Loans

Business Loans

Many old and new businesses will attempt to obtain a bank loan, but this is frequently a waste of time. Banks guard a few secrets in addition to your money. To begin with, they will not inform you that the larger they are, the longer you will have to wait for everything, from meeting with an advisor to receiving approval to receiving financing. Second, if you apply for a loan with a bank you’ve previously worked with, you won’t be rewarded for your loyalty. Third, banks frequently reject small business loans because they are not a profitable financial product for the banks.

Because thousands of good businesses are unable to obtain the necessary funding from a bank, many turn to alternative lenders and are overcharged. We at Lendified believe that small Canadian businesses deserve better treatment. You should be able to obtain quick and simple financing without overpaying. As a result, Lendified provides:

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$5,000 - $150,000

Get a small business loan that builds up your credit and opens up new possibilities.

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Easy Online Application

Qualify in minutes without visiting a branch or spending hours on paperwork.

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Better Rates

Save up to 40% compared to a merchant cash advance and other online lenders.

Line of Credit

ICC Line of Credit

What Is Line of Credit ?

A Line of Credit (LOC) is a flexible financing option that allows individuals or businesses to borrow money up to a certain limit, based on their creditworthiness. A LOC provides a revolving credit line that can be used as needed, with interest charged only on the amount borrowed. In Canada, a LOC is a popular financing option for businesses and individuals who need access to funds quickly and conveniently.

A LOC can be secured or unsecured. A secured LOC requires collateral, such as a property or other assets, which can be used to secure the loan. An unsecured LOC does not require collateral but may have higher interest rates and stricter credit requirements.

A business LOC can help businesses manage their cash flow by providing access to funds when they need it. This can be particularly useful for businesses that have irregular income streams or seasonal fluctuations. A business LOC can also help businesses take advantage of unexpected opportunities or cover unexpected expenses.

For individuals, a LOC can provide a flexible source of funds that can be used for a variety of purposes, such as home renovations, education expenses, or unexpected medical bills. A LOC can also be used to consolidate higher-interest debt, such as credit card balances, into a lower-interest rate loan.

When considering a LOC, it’s essential to understand the terms and conditions of the loan, including interest rates, fees, and repayment terms. It’s also important to use the funds responsibly and to avoid borrowing more than you can afford to repay. A LOC can be a valuable financing tool, but it’s important to use it wisely and to have a solid repayment plan in place.

Overall, a LOC can be a valuable financing option for businesses and individuals in Canada who need access to funds quickly and conveniently. If you’re considering a LOC, it’s essential to work with a reputable lender or financial advisor who can help you understand your options and make informed decisions.

ICC Business Loan

Industries We Serve

We’re proud to serve a variety of businesses in Canada from accounting to healthcare to trades, like plumbing and carpentry. Find your loan today!

Retail

Stay up to date with the latest trends, or open a new branch with the help of a Lendified business loan.

Auto Dealer

Need a little cash to entertain clients while they wait for their car? Lendified has the right loan for you!

Spa and Salon

Gain peace of mind knowing our small business loans can help you expand your services, hire top talent, and promote your brand.

Restaurants

With a business loan, Lendified can serve up some serious dough to get your restaurant, pub, bistro, or ice cream parlour thriving.

Construction

Build a better tomorrow for your company and clientele by applying for a small business loan.

Other Industries

Whether you’re a business in Canada with seven months under your belt or have been around for years, Lendified helps businesses in many industries.

Talk to Us

Contact us and choose your plan now