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mikeroyal
Mar 28th, 2006, 05:37 PM
Business Margate / Loan

Hi opinions and ideas wanted

I am a newly arrived immigrant from the UK now living in the Okanagan BC I have brought a House Margate free aprox value $700k. I am now seeking financing for a business purchase Around the $350k mark plus probably $50k for improvements cash flow etc I Have $200k cash so there fore will probably require a loan of about $200k.
What’s the best way to go about this, as I have no credit history in Canada although managed to get AMEX to issue a card taking in to account my UK history. So a business loan or mortgage or are the % rates on these a lot more than maybe raising a small mortgage on the house as I have no job at time of application will this cause problems.
Thanks in advance for any advice given by the way Greet Forum Country and People :)

grant
Mar 29th, 2006, 12:56 PM
Hi Mike, I don't know what a margate is... but you'll have no problem getting a $200k mortgage on your $700k property if you own it free & clear.

I've been told that banks will loan up to 65% of a property's value at their residential (best) mortgage rates without looking hard at income or credit history.