Institutional Mortgage Advisory & Capital Structuring
Direct institutional access to 50+ chartered banks, monoline balance sheets, credit unions, and ultra-high-net-worth private syndicates across Ontario. Tailored capital execution managed by Shan Jahan-Bin, Mortgage Agent Level 2 at 8Twelve Mortgage.
Principal Underwriter
Shan Jahan-Bin
Mortgage Agent Level 2 · M21001308
Brokerage Syndicate
8Twelve Mortgage
FSRA Brokerage License # 13072
Ontario Benchmark Rates & Institutional Spread
Chartered Bank Avg: 4.89%
Prime Benchmark: 6.70%
Chartered Bank Avg: 5.14%
Prime + 0.50% Access
Mezzanine & Fast Capital
Five Pillars of Strategic Lending Architecture
We move past vanilla retail bank questionnaires. By mapping debt structures directly to real estate acquisition and construction milestones, we optimize tax efficiency, leverage, and borrowing power.
Prime Purchases & Pre-Approvals
Tier-1 A-lender approvals engineered with bulletproof debt-service calculations (GDS/TDS optimization) and non-standard income inclusions. Secure firm commitments before submitting purchase offers.
Refinance & Equity Extraction
Unleash dormant capital up to 80% loan-to-value for extensive home modernizations, investment acquisitions, or high-cost debt consolidation. Structured with hybrid split-tranche mortgages.
Self-Employed & Stated Income
Specialized Business-for-Self (BFS) programs that look beyond the traditional Notice of Assessment (NOA) line 15000. Underwriting anchored on gross corporate revenue and retained earnings.
Construction & Renovation Bridging
Tailored progression draw mortgages and interest-only bridge lines synchronized directly with 101GROUP's construction management workflows. Zero capital stalls on site.
Private Capital & Structured Debt
Direct access to private mortgage syndicates and equity-based balance sheets. Customized non-status loans, 2nd mortgages, and time-sensitive rescue capital deployed in under 72 hours.
The Tri-Pillar Arbitrage
When your mortgage underwriter is in continuous contact with your real estate broker and general contractor, hidden valuation bottlenecks evaporate and financing fees drop significantly.
Interactive Underwriting & Payment Simulator
Simulate monthly carrying costs, estimate municipal property taxes, and test amortization sensitivity.
Principal & Interest combined with York Region avg mill rates.
No impact to bureau scores during initial capital scenario review
Unlocking $340,000 Equity for Simultaneous Renovation & Acquisition
14 Business Days
The Client Mandate
A self-employed business owner in Newmarket with an existing property valued at $1.52M sought to complete a comprehensive $140,000 main-floor and basement suite modernization while extracting an additional $200,000 liquid capital to close on an executive investment property in Barrie.
The 101GROUP Multi-Facility Solution:
Refinanced A-Lender 1st Mortgage
Locked at 4.49% for 5-years, resetting total payment obligation.
Revolving Prime HELOC ($340,000)
Secured without costly payout penalties on existing favorable tranches.
$340K
Capital Extracted
+28%
Value Increase
$1,850/mo
Rental Revenue Added
Direct Renovation Escrow Execution
101GROUP's construction division executed the project on time, drawing capital directly from the approved line without contractor markups or bank inspection holdups.
Direct Access to 50+ Institutional Balance Sheets
Through 8Twelve Mortgage syndicate pipelines, we hold immediate line authority with all key lenders in Canada.
Direct Application & Private Consultation
Discuss your acquisition timing, self-employed scenario, or large-scale build directly with Shan Jahan-Bin. Strict adherence to client discretion and regulatory protocol.
All mortgage originations, capital brokerage, and lending underwriting are administered under FSRA Mortgage Brokerage License # 13072 (8Twelve Mortgage). Shan Jahan-Bin is a licensed Mortgage Agent Level 2 (Lic # M21001308), legally bound to prioritize borrower best interests under the Mortgage Brokerages, Lenders and Administrators Act (MBLAA).