Valkyrie Auto Group Inc

“Financial freedom is built by reducing financial friction - and bad vehicle decisions create massive friction.”

Mortgage brokers and Financial Advisors !!

Let me ask you something 👇

How many of your clients right now:
* Feel tight every month
* Can’t invest yet
* Or aren’t qualifying where they should be?
This is exactly what I’m covering in my Valkyrie training this Thursday the 16th & 23rd
👉 How to restructure the financial side before the mortgage or plan
👉 How to free up monthly cashflow for your clients
👉 How to turn “stuck” clients into qualified / investable clients
If that would help your business, I’d strongly recommend jumping on.

Message for registration link

“How many deals have you lost this month… because of a car payment?”

Most brokers focus on income.
Top brokers fix debt servicing.

We help restructure automotive debt so your clients:
Qualify easier
Carry less monthly burden
Close deals that would’ve died

If you’re not addressing car payments, you’re leaving approvals on the table.

Your vehicle is usually the second-largest purchase your family makes (after your home), and choosing one that retains value + costs less to maintain means more money stays in your pocket, not lost to depreciation or upkeep.

Here’s a Canadian-focused breakdown ➡️

🚗 Best Vehicles in Canada for Resale Value + Low Maintenance
These rankings reflect:
✔ Historically strong resale values
✔ Low/average long-term maintenance costs
✔ Good reliability ratings
✔ Parts availability in Canada
✔ Strong demand in the used market

📌 1. Toyota Tacoma / Toyota 4Runner (Tops In Trucks)
Why they hold value
Legendary reliability
Huge used demand
Low depreciation compared to competitors
Maintenance
Toyota has one of the lowest long-term repair costs
Strong parts availability
Best For
People who want a truck that retains 60–70%+ of its value in ~5 years

📌 2. Toyota Tundra
Why
Full-size truck with excellent longevity
Exceptional resale vs its class
Hybrid powertrains (newer models) boost fuel economy + desirability
Maintenance
✔ Fewer breakdowns
✔ Easy to service across Canada

📌 3. Subaru Crosstrek & Subaru Forester
Why they stand out
AWD across all trims — ideal for Canadian weather
Very strong resale in used markets (especially in the Prairies & BC)
Maintenance
Routine service cost is slightly above average
But reliability + AWD demand compensates for that

📌 4. Honda CR-V / Honda Civic / Honda Accord
Why
Honda reliability is well-established
Civics/Accords are top sellers in used markets every year
Resale
Often retain 50-60% of value after 5 years
Maintenance
✔ Parts are plentiful
✔ Simple, reliable engineering keeps costs down

📌 5. Toyota RAV4
Why
Top Canadian SUV choice for years
Hybrid versions have even better resale
Strong demand across all provinces
Maintenance
Toyota service costs are predictable and moderate

📌 6. Lexus RX, GX & Toyota Highlander
Why
Luxury + Toyota reliability combo
Used Lexus demand is surprisingly strong in Canada
Maintenance
Slightly higher than Toyota
But reliability reduces unexpected costs

📌 7. Jeep Wrangler
Why
Iconic truck with exceptional used value
Off-road appeal keeps demand high
Maintenance
Can be pricey if heavily modified or used hard
Best if kept stock/low upgrades

📌 8. GMC Sierra / Chevy Silverado (Selected Trims)
Why
Big-truck loyalty in Canadian markets
Retain value on LTZ/High Country trims + 4WD
Maintenance
✔ Parts widely stocked
✘ Slightly higher depreciation than Toyota

🚘 Which Vehicles Lose Value Fastest (Important to Avoid)
❌ Luxury German cars (BMW, Audi, Mercedes)
❌ Large gas V8 sedans
❌ Electric vehicles (early models specifically) — good tech, but weak used market today
❌ Nissan trucks (weaker resale vs Toyota)

🧠 Quick Recommendations by Buyer Type
Best All-Around (SUV)
👉 Toyota RAV4 / Subaru Crosstrek
Best Truck for Value
👉 Toyota Tacoma / Tundra
Best Car Value + Maintenance
👉 Honda Civic / Accord

Please make a comment if you feel this is helpful.

Attention Mortgage Brokers

Mortgage approvals don’t fail because of income —
they fail because of cash flow and debt structure.

One of the most overlooked factors in mortgage qualification is the vehicle payment.

A car loan is often a borrower’s:
• second-largest monthly obligation
• highest interest installment debt
• most rigid cash-flow constraint

When reviewed before a mortgage application, automotive refinancing can:
✔ improve debt-service ratios
✔ strengthen affordability
✔ reduce approval friction
✔ help clients transition from “borderline” to “comfortable”

This isn’t about selling auto loans — it’s about optimizing the borrower profile before it reaches underwriting.

Mortgage brokers who address all liabilities — not just the mortgage — create stronger files, smoother approvals, and better long-term outcomes for their clients.

If you’re already helping clients with income strategy, credit positioning, and timing…
vehicle debt belongs in that conversation too.

📩 Happy to connect with brokers who value proactive planning.
Educational content only. Outcomes vary based on client profile and lender guidelines.

Attention Mortgage brokers and Financial advisors

“Most households review their investments yearly — but never review their vehicle payment.
A car payment is often the second-largest monthly expense. Optimizing it can free up cash flow without changing lifestyle.”

Why Refinancing a Vehicle Before a Mortgage Can Create Major Wins

✅ Improved Mortgage Qualification
Even a small payment reduction can:
Push a client under lender ratio limits
Qualify them for more house
Or move them from a B lender → A lender
Example:
$650 car payment → $420
$230/month reduction
= ~$40,000–$60,000 more borrowing power (approximate, varies by lender)

✅ Stronger Cash Flow After Closing
Mortgage stress doesn’t happen at approval — it happens after possession.
Auto refinance can:
Create breathing room for:
Property taxes
Utilities
Maintenance
Childcare / lifestyle costs
This reduces post-purchase financial strain.

✅ Better Credit Presentation
Auto refinance can:
Replace a high-interest loan with a structured installment loan
Improve utilization
Remove short-term balloon or high-rate dealer financing
📌 Lenders like clean, predictable liabilities.

Mortgage Brokers — What If You Had a Financial Advisor Who Could Do All This? 👀🏡

What if the financial advisor you partner with didn’t just protect your clients…

…but actually helped them qualify for more?

Imagine an advisor who can:
✅ Put the right insurance in place to protect the mortgage
✅ Start TFSA and FHSA accounts to build long-term wealth
✅ AND lower their automotive debt servicing to improve ratios

This isn’t basic financial advice —
this is strategic mortgage optimization.

Why This Matters for You:

💥 Higher approval rates

Lower car payments + better savings structure = stronger applications.

💥 Cleaner debt ratios

You get clients who actually fit the lender’s guidelines..

💥 Deals that were dead… revived

Sometimes a simple restructure is the difference between “declined” and “approved.”

💥 Clients who feel supported

You become the broker who delivers a full financial solution — not just a rate.

Why Clients Love It:

✔ Lower monthly expenses
✔ Smart accounts working in their favour (TFSA/FHSA)
✔ Proper protection in place
✔ A stronger financial foundation overall

It’s simple:

You send them for a mortgage.
I help make them better-qualified clients.

That’s how we win more deals together.