We love difficult applications.
We arrange commercial and construction financing, along with complex residential and private mortgages, across BC and Alberta.
We handle business expansion, partnership and shareholder buyouts, construction draws, commercial annual review rescues, and difficult mortgage files. These include self employed borrowers who may qualify using both personal and corporate income, CRA and other debt payouts, judgments and collections, bruised credit, debt consolidation, and spousal buyouts.
We do not stop at the first no. We keep working the file across different structures, lenders, and financing options until we find a responsible path forward or can tell you honestly that there is not one.
Specialized experience with business owners, high net worth families, healthcare professionals, and practice owners.
See the Files We Have Solved →
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Confidential initial review · No obligation · Response within one business day
- Top 5%
- DLC nationally · 4,000+ brokers
- $150M+
- Funded in mortgages across BC & AB
- 250+
- Mortgages funded — complex & conventional
- 60+
- Free calculators across our family — verified math
- 5 Desks
- 4 residential — physician, officer, private wealth, reverse — and 1 commercial: healthcare practice
- 4 Pillars
- Commercial · Construction · Residential · Private
Our Four Pillars of Mortgage Expertise
Commercial real estate, business expansion, partnership and shareholder buyouts, leasehold improvements, equipment, working capital, debt restructuring, and annual review rescues.
Clinic owners have their own desk: Healthcare Practice Financing.
Land, new construction, draw schedules, cost to complete, cost overruns, stalled projects, and institutional or private construction capital.
Self employed income, CRA and other debt payouts, judgments and collections, bruised credit, debt consolidation, spousal buyouts, unusual properties, and files that do not fit a standard bank application.
Physicians, uniformed officers and homeowners 55+ have their own desks: Physician Mortgage, Officer Financing and Reverse Financing.
Short term mortgage solutions when credit, income, property, timing, or an urgent payout prevents an immediate institutional approval. Every file should have a responsible exit plan.
High net worth families and their advisors have their own desk: Private Wealth Financing.
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 & WealthOne Bank.
"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
- 25
- Client Reviews
- 24
- Industry & Lender Recommendations
- Featured In
- Industry News
- Host
- Mortgage Podcast
- Mentor
- Industry Speaker & Mentor
What clients & industry pros actually say.
A small sample of 49 verified reviews and recommendations on LinkedIn and Facebook — from clients, brokers, lawyers, realtors, 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.
The Branch Offered $2,000. We Arranged a $1.1M Daycare Financing Package.
Its bank branch offered a $2,000 corporate-card increase. A complete commercial submission brought an approved and signed package of about $1.1 million: leasehold improvements, equipment, operating credit, business credit cards and existing debt consolidation.
Four Credit Facilities. No Client Cash Down. One Medical Clinic.
A North Shore medical clinic needed real estate, leasehold and operating financing. We arranged four coordinated credit facilities with no client cash used for the down payment, and the three loans priced under 5%.
Buying a Home During a Complex Separation While Still on a Joint Mortgage
The bank granted the change two business days before funding. The client completed on time, a sizable deposit never at risk, at prime pricing rather than the fallback, saving more than $20,000. The client later referred someone else going through a separation.
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.