Strategy

Gentai Mortgages

Providing custom-tailored mortgages to the borrowers to meet their financing needs: innovative structures and attractive rates

We provide primarily first and second mortgages and bridge financing to borrowers seeking to purchase, refinance, refurbish or develop real estate. We are flexible, quick response to provide mortgages to quality borrowers where typical larger financial institutions do not offer competitive terms and structures. Typical loans are for bridge financiering, infill construction with interest rates of 8% to 10% per annum, one year term and interest only payments. Our in-house team handles all aspects of these transactions quickly and efficiently. We lend in British Columbia, Alberta and Ontario currently.

Each mortgage is subject to our thorough analysis:

  1. Borrowers financial background
  2. Property values and credit assessments
  3. Exit plans
  4. Overall Market conditions

 

Gentai Investors

Offering investors a secure source of income from a diversified pool of fully secured mortgages:  rigorous risk control and reliable strong income

Our objective is to provide investors with stable, safe, and reliable returns and to preserve capital. First, and foremost, Disciplined Investing Principal Philosophy rules - Preservation of Shareholders' Capital, we look for safe mortgages and avoiding all aspects of risk in the loan. From a return perspective, we commit to generatingstrong absolute income stream. Last, wedetermine to focus onconsist and predictable income, quarter-to-quarter and year-to-year.

Through conservative underwriting and creative structures, we provide mortgages to borrowers whose financing needs are not being met by larger financial institutions.  GCC pools together a diversified portfolio of fully-secured mortgages that provide ready liquidity to investors.

We have consistently followed a simple and proven investment approach which has produced excellent returns for our investors over 6 years.

 

Investment Strategy

Sound custom made mortgage lending is not purely based upon a convenient financial model or scoring template. It is based upon the availability of safe mortgages and a common-sense approach to the lending. Successful lending involves an intensive, hands-on process which is essential to avoid losses. Capital preservation is always paramount.

We adhere to a conservative lending parameters.

 

Due diligence

Thorough due diligence and credit assessments is the foundation of our lending

 

Low LTV

Margin of safety with Loan-to-value ratios of approximately 75% at the time of underwriting

 

Short Term

Investing in short-term mortgages (6 to 12) to mitigate interest rate and market risks

 

Diversification

Pool of balanced mortgage diversified by size, borrower, and geography and property type in order to limit exposure to any one area

 

Syndication

Reducing exposure by syndication with other financial institutions on large loan

 

Exit Strategy

Clear exit strategy required when underwriting each loan

 

Monitoring

Systematically monitoring the borrowers and the properties until the mortgage being fully repaid / Applying Strong default management policies