Ease payment pressure
Assess whether a financing change could leave more cash available each month, after accounting for its costs.
Complimentary advisory review
Portfolio
Financing Review
Could the mortgages across your properties better support your plans? We review each rental and the portfolio together, starting with what you want to achieve.
That might mean easing payment pressure, assessing funds for an investment or preparing for upcoming renewals. Buying again or borrowing more is not a requirement.
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Start with what you
want to improve.
Your short- and long-term priorities guide the review. The same financing change can have different implications for someone seeking income and someone planning another investment.
Assess investment funds
Understand whether refinancing could provide capital, and what new debt and payments it would create.
Plan mortgage decisions
Consider upcoming renewals and how the financing across your properties fits your priorities.
What we examine
Property by property.
Then all together.
One rental can need a monthly contribution while another has money remaining after costs. Both affect the decisions available to you.
Each property
Property valueMortgages & secured debtRent & other incomeOperating costsMortgage paymentsTerms & renewal dates
The combined portfolio
How income, costs and payments work together. Where pressure is coming from. How a proposed change affects the rest of your holdings.
Assessed against your goalsA hypothetical example
Two properties.
One cash-flow decision.
A rental with money left over can hide pressure elsewhere. Here is why we look at each property and the combined result.
Rental property A
Needs a monthly contribution
- Rent received
- $3,000
- Running costs
- −$700
- Mortgage payment
- −$2,600
−$300Monthly shortfall
Rental property B
Has money remaining
- Rent received
- $2,800
- Running costs
- −$600
- Mortgage payment
- −$1,800
+$400Monthly surplus
The portfolio together
+$100/ monthThe $400 surplus covers the $300 shortfall. A review considers whether a financing change would help—and at what cost.
Illustrative calculation, not a client result. Includes only the monthly items shown. Vacancy, repairs, reserves and other costs would need consideration in a real review.
What you receive
Options weighed
against their costs.
We explain how a proposed change would support your goal, what it would cost and the payments or debts it would introduce.
A lower monthly payment does not automatically make refinancing worthwhile. Fees, penalties and a longer repayment period can change the overall cost. Funds released for an investment also come with debt that the portfolio must carry.
You can compare the recommendation with keeping your existing financing. The review does not automatically lead to refinancing every property.
Explore refinancing costs and payments →Talk to Streetwise
What do you want your portfolio to support?
Tell us what you own and what you want to improve or make possible. We’ll discuss your goals and explain the information needed for the complimentary review.
Request your Portfolio Review 1-800-208-6255info@streetwisemortgages.comYou don’t need financial documents to get in touch.