We love difficult applications.
Most brokers hope they never see a hard file. We specialize in them — so whatever yours looks like, you're already ahead.
BC & AB's Mortgage Gurus: we handle the most complex commercial, residential, private, construction & reverse mortgage financing files other brokers refer out.
Prefer to start an application? Start your pre-approval in 60 seconds →
Confidential initial review · No obligation · Response within one business day
- Top 5%
- DLC nationally · 4,000+ brokers
- $150M+
- Funded in mortgages across BC & AB
- 200+
- Mortgages funded — complex & conventional
- 5 Pillars
- Commercial · Residential · Private · Construction · Reverse
Our Five Pillars of Mortgage Expertise
Multi-family, mixed-use, industrial, owner-occupied & private commercial capital.
Speed, flexibility, and bridge financing when banks say no — plus a dedicated private wealth desk for high-net-worth files.
Draw schedules, cost-to-complete, lender relationships most brokers don't have.
55+ tax-free equity, no required monthly payments — with a dedicated reverse desk at ReverseFinancing.ca.
Ready to move your file forward?
Tell us about your situation and we'll get back to you within one business day. No obligation.
Contact Us →On-the-record recommendations from Business Development Managers at MCAP, National Bank, Questbank, Equitable Bank, Home Trust & Neighbourhood Holdings.
"I'm consistently impressed by the care, professionalism, and integrity he brings to every client interaction. A proven ability to navigate complex files… I would confidently recommend Ramin to anyone."
— Meghan Farrant, BDM, Questbank
Read all recommendations →Ethical. Creative.
Family first.
Behind every mortgage is a real story. Every client deserves discretion, integrity, and genuine care. No shortcuts. No pressure. Just results.
Ethical.
Every recommendation is in the client's interest — never the lender's, never our commission.
Creative.
Complex files need creative structuring. We see the deal others miss.
Family first.
Behind every mortgage is a real story. Discretion, integrity, genuine care.
We actively send clients to local businesses we trust — restaurants, meal-prep, renovation crews, retail. Run a local business? Join our referral circle →
A consistent record of excellence
Top 5% of DLC brokers nationally.
Recognized year after year among Canada's leading mortgage professionals.
Licensed in BC (BCFSA) · Also licensed in AB (RECA) under DLC AIMI Collective Mortgage Group · Industry mentor
Industry Recognition & Stats
- 30+
- LinkedIn Recommendations
- 6
- Lender BDM Endorsements
- Featured In
- Industry News
- Host
- Mortgage Podcast
- Mentor
- Industry Speaker & Mentor
What clients & industry pros actually say.
A small sample of 30+ verified LinkedIn recommendations from clients, brokers, lawyers, and lender BDMs.
“I can confidently say that Ramin is at the very top of the mortgage profession. His knowledge of the market, attention to detail, and ability to navigate even the most complex scenarios set him apart. If you're looking for a mortgage broker who truly puts clients first and executes at an elite level, Ramin is the one to trust.”
“Ramin helped me secure two mortgages and the entire process was handled with professionalism, clarity, and efficiency. What truly sets Ramin apart is his responsiveness, integrity, and commitment to his clients. He made what can often be a stressful process feel smooth and manageable.”
Real outcomes for real people.
Anonymized case studies from complex files — commercial acquisitions, construction draws, bruised-credit rescues, private bridge deals, and more.
How a Fully Open Manulife One Mortgage Avoided a Renewal Penalty Before a Home Upgrade
The client keeps full flexibility, pays down faster, and is set to upgrade in coming months at the lowest cost. We earned less on it, it was the right fit.
Structuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax Debt
Done right, a structure like this clears the CRA debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts, on terms a CPA can approve.
Banks Declined. Private Lenders Charged 10%+. We Cut His Rate in Half.
Cut the borrower's interest rate in half, moved from double-digit private mortgage costs to an alternative commercial mortgage, paid down principal, improved his credit and cash flow, and positioned him for a prime-lender refinance within two years — one broker, one custom plan, from private exit to prime placement.
Have a complex file? We're one tap away.
Call, WhatsApp, or create your free client portal to track your file, run calculations, and apply for your mortgage all in one place.