Enjoy lower mortgage rates with pledged assets
Outperform traditional banks with lower mortgage rates, with the potential for tax deductions
Today's Interest Rate*
4.40%
Today's Interest Rate*
4.40%
Today's Interest Rate*
4.40%
Trusted by 100+ industry-leading advisors
Trusted by 100+ industry-leading advisors
Trusted by 100+ industry-leading advisors
Trusted by 100+ industry-leading advisors
Better than a
traditional mortgage
Better than a
traditional mortgage
Pledging investments as collateral will save money for your clients by lowering the interest expense and providing potentially more tax deduction in interest expense
Pledging investments as collateral will save money for your clients by lowering the interest expense and providing potentially more tax deduction in interest expense
3 ways we help your clients save more
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Buy a home without selling your investments
In a traditional mortgage, financial advisors will have to sell investments to help the client make the down payment. The down payment funds will no longer grow with the market and become tied up in the house. There may be a tax bill to pay for capital gains tax.
Buy a home without selling your investments
In a traditional mortgage, financial advisors will have to sell investments to help the client make the down payment. The down payment funds will no longer grow with the market and become tied up in the house. There may be a tax bill to pay for capital gains tax.
Buy a home without selling your investments
In a traditional mortgage, financial advisors will have to sell investments to help the client make the down payment. The down payment funds will no longer grow with the market and become tied up in the house. There may be a tax bill to pay for capital gains tax.
Borrow at a lower cost
SyntheticFi will build a 2 part financial solution to help your client buy your home. One part is borrowing from the investments and will be at 5%. The other part is a traditional mortgage and will be at 7%. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Borrow at a lower cost
SyntheticFi will build a 2 part financial solution to help your client buy your home. One part is borrowing from the investments and will be at 5%. The other part is a traditional mortgage and will be at 7%. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Borrow at a lower cost
SyntheticFi will build a 2 part financial solution to help your client buy your home. One part is borrowing from the investments and will be at 5%. The other part is a traditional mortgage and will be at 7%. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Claim more tax deductions
By borrowing against one’s investment with SyntheticFi, your client can always write off the interest paid on that for tax purposes. This allows the client to claim tax deduction beyond the $750K limit on a traditional mortgage. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Claim more tax deductions
By borrowing against one’s investment with SyntheticFi, your client can always write off the interest paid on that for tax purposes. This allows the client to claim tax deduction beyond the $750K limit on a traditional mortgage. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Claim more tax deductions
By borrowing against one’s investment with SyntheticFi, your client can always write off the interest paid on that for tax purposes. This allows the client to claim tax deduction beyond the $750K limit on a traditional mortgage. or sit amet, consectetur adipiscing elit. Sed faucibus metus sed.
Our process is easy for you and your client
SyntheticFi is a one-stop shop. We will get your client both the pledged asset loan and the mortgage. Your client does not need to move their assets because we support major custodians such as Charles Schwab and Fidelity.
Beat the relationship
discount offered by big banks
The institutional-level lending solution that sets you apart
Your clients will have no more need to move assets to big banks like Bank of America to qualify for their relationship discount on their mortgage rates, because you can offer them the best deal.
Your clients will have no more need to move assets to big banks like Bank of America to qualify for their relationship discount on their mortgage rates, because you can offer them the best deal.
Why SyntheticFi?
SyntheticFi
Interest Rate
4.83%
6-8%
5.5-8%
8-13%
After-Tax Effective Rate
3.3%
6-8%
5.5-8%
8-13%
Why SyntheticFi?
SyntheticFi
Interest Rate
4.83%
6-8%
5.5-8%
8-13%
After-Tax Effective Rate
3.3%
6-8%
5.5-8%
8-13%
Frequently asked questions
How much can my clients borrow with SyntheticFi?
Will my clients need to move assets?
Why is SyntheticFi able to offer such low rates?
What fees does SyntheticFi charge?
What are the risks of using SyntheticFi?
How much can my clients borrow with SyntheticFi?
Will my clients need to move assets?
Why is SyntheticFi able to offer such low rates?
What fees does SyntheticFi charge?
What are the risks of using SyntheticFi?
How much can my clients borrow with SyntheticFi?
Will my clients need to move assets?
Why is SyntheticFi able to offer such low rates?
What fees does SyntheticFi charge?
What are the risks of using SyntheticFi?
Borrow smarter. Save More.
Unlock lower interest rates and tax-deductible savings with SyntheticFi.
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.