Get in touch
1-506-333-6754
admin@ecpla.ca
For the investor
Why are you here?
You are a sophisticated investor who appreciates passive income
- Geo-political events have resulted in stock market volatility
- Returns on fixed income investments remain extremely low
The Atlantic Canadian Real Estate Market is hot
- Double digit appreciation since 2019
- Market pressures on real estate supply remain high
How can we help?
- Your Private loan returns a 10-12% annual interest rate on first mortgages and 15% on second mortgages
- Terms ranging from 6-24 months to maintain your liquidity
- Your loan is secured against the borrower’s property
- Borrowers and investors are seeing real estate as a secure place to invest funds
- Serving New Brunswick, Nova Scotia and Prince Edward Island
- Earn up to $120k/year on a $1M loan
How we do it
- Our firm serves as a match making service between individual borrowers and investors
- Borrowers are in a position that financing through traditional lenders is not available or attractive
- Homeowners that have non-conforming mortgages due to increased restrictions from OSFI
- Real estate investors requiring short term funds quickly when securing deals
- Network with and cater to the over 200 mortgage brokers and associates in Atlantic Canada who represent borrowers seeking loans
We represent you!
Our firm’s only clients are our Private Investors (Lenders). We exist for no other purpose than to help them make solid investments in properties that they are confident in.
Our Model
| One Lender per deal | Know Your Client Interview |
|---|---|
| Lenders maintain autonomy over their investments Our target market is investors seeking financing opportunities between $250,000 and $5,000,000 | Creates an understanding of your risk tolerance Narrows potential deals to those that are right for you |
Our Mission
To provide ethical short-term private lending solutions to clients of mortgage brokers
We will only lend where there is a clear strategy for the Investor to exit within 6 to 24 months unless placed in a favorable long-term solution
Our Model
One Lender per deal
- Lenders maintain autonomy over their investments
- Our target market is investors seeking financing opportunities between $250,000 and $5,000,000
Know Your Client Interview
- Creates an understanding of your risk tolerance
- Narrows potential deals to those that are right for you
| Property Type | Private Mortgage LTV Ratio |
|---|---|
| Residential Rural | 65%* |
| Residential Urban | 75%* |
| Commercial Rural | 65%* |
| Commercial Urban | 75%* |
| *Percentage of approved appraiser’s value |
Leave the headaches to us
- We present opportunities on a silver platter
- Applications, credit checks and appraisals all validated before presentation to you
- Experienced legal representation included in every transaction
- In house underwriting with over 30 years in the mortgage industry
- Ensuring that investment opportunities match your risk tolerance
- LTV ratios provide security in that you take possession of the property at 65-75 cents on the dollar in the event of borrower default
Contact Our Team
Ginette Goguen,
Principal Broker
- 35 Years of finance experience in NB assisting with investment and mortgage needs
- Licensed Broker in NB & NS
- Outstanding customer focus and vigilance with detail has provided a track-record of industry success
Ryan Kennedy, BSc, PharmD, MBA
Mortgage Associate/Investor Representative
- 18 years of entrepreneurial experience including commercial real estate ownership
- Successful exit from small business after growing from $0 to $7M revenue over 13 years
- Graduate of Wallace McCain Institute Entrepreneurial Leaders Program
Trevor Bowie,
Business Development Manager
- 20 years of experience in private lending underwriting and administration in Nova Scotia, New Brunswick and P.E.I.
- Experienced private lender
- Commercial property owner
- Licensed mortgage associate in NB and NS
1-506-384-3155
NB brokerage license number: 220012585 l NS brokerage license number: 2021-3000350