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INVESTORS

At PB Financial, our unwavering commitment revolves around the paramount importance of our esteemed investors. Our dedicated team maintains a close-knit collaboration with our network of brokers, diligently orchestrating optimal investment opportunities for both our investors and their clients. Operating in the expanding region of Southern Ontario, we curate a diverse array of investment prospects, enabling you to construct a well-rounded and diversified portfolio.

Our corporate culture is rooted in an open-door policy that extends across all facets of our operations, epitomizing a pledge to deliver absolute transparency in our dealings. With a profound focus on your investment journey, we aim to captivate your interest and trust as our valued investors.

What We Offer

  • Monthly interest payments, credited to investors' accounts on the 5th of each month.

  • Regular communication, including portfolio summaries and loan status updates.

  • No minimum investment requirements.

  • Competitive annual returns, with interest rates spanning 10% to 12%.

  • Zero fees, as administrative costs are covered by borrowers.

  • Investment avenues available through self-directed accounts: TFSA, RRSP, RRIF, and LIRA via Olympia Trust.

  • Focused lending in Southern Ontario, specifically Hamilton, GTA, and the Niagara Region.

  • Investors have the flexibility to select mortgages aligned with their risk profile.

Types of Deals 

We offer a mix of First, Second, Commercial and Blanket Mortgages at competitive rates​

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LTV'S Ranging from 

  • 1st mortgages: LTV <75%, typically 70% , Return 10.5% 

  • 2nd mortgages: LTV < 80% ​, typically 70%-80%, Return 11% - 12.0% 

  • Majority of homes are valued less than $1,000,000

  • 90% are single family dwellings 

  • Southwestern Ontario. Mostly 250 km radius of Hamilton.

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Advantages Of Investing With Us 

  • PB Financial streamlines and eases real estate investment for corporations and individuals, sparing them the complexities of entering the market as individual lenders.

  • Investors with PB Financial can diversify across various properties and locations to mitigate risk and enjoy enhanced liquidity, given variations in mortgage timing.

  • Administrative fees are absorbed by borrowers and PB Financial, assuring investors clear returns from the start.

  • As a boutique private lending firm, our committed, high-caliber professionals meticulously oversee each transaction, ensuring punctual borrower payments, achievement of investment objectives, diligent deal follow-ups, and ongoing risk mitigation through continuous equity reassessment. 

  • Our team provides investors with comprehensive mortgage details, aiding in their property investment decisions.

  • Monthly statements are provided with a breakdown of personal returns, holdings, and mortgage activities.

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