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Mortgages And Lending

Any time money is being borrowed, it’s important to consider the risks and rewards of the venture you are investing in.  


Considering what the best mortgage is for you or your business? Let the experts at Four Point Financial help you understand the best path forward.


Residential Mortgages

As a homeowner or prospective homeowner, it’s important to understand the ins and outs of debt and mortgages. We’ll teach you the difference between fixed and variable rates, how much you should use for a down payment, how to search the market for competitive rates, and how to properly fit it into a budget that your family can afford.  


Commercial Mortgages

Plan the day-to-day cash flows of your business with a well-designed commercial mortgage. Our financial advisors can help you secure the debt you need to operate your business, building, and land. 

Mortgage and Lending services mentioned on this page are provided by Patrick Falkiner, the  Mortgage Broker/Agent.

L+M: Residential Mortgages
L+M: Commercial Mortgages


If you’re thinking of securing a loan to help with business operations or for investing, you’ve come to the right place.


Business Lending 

Budgeting and cash flows are critical to your success when operating a business. Let our CFPs show you how flexible, tax-advantageous debt can create opportunities and provide relief. 

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Strategic Investing

When you borrow money there are many factors that need to be considered.  Time horizon, taxation, budget, cash flow and overall risk tolerance.  We will help you determine if you are a good candidate for borrowing to improve your financial situation and net worth.

Leverage investing is not suitable for everyone. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. Please seek professional advise about your leverage suitability before taking any action.

L+M: Commercial Lending
L+M: Leveraged Lending
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