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 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
- 4 Pillars
- Commercial · Residential · Private · Construction
Commercial & Construction
Multi-family, mixed-use, industrial, owner-occupied, and construction financing across BC and Alberta.
Residential & Private
Reverse mortgages, alternative/B lending, self-employed, bruised credit, CRA debt, and private lending.
Ethical · Family · Community
Behind every mortgage is a real story. Discretion, integrity, and genuine care.
Our Four Pillars of Mortgage Expertise
Multi-family, mixed-use, industrial, owner-occupied & private commercial capital.
Self-employed, bruised credit, CRA debt, reverse, physician, divorce buyouts.
Speed, flexibility, and bridge financing when banks say no.
Draw schedules, cost-to-complete, lender relationships most brokers don't have.
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.
Partner With Us
Grow your book alongside BC & AB's complex-file team.
The broker other brokers send their toughest files to. Your clients are in good hands.
A compliance-first process with complete, lender-ready documentation. Whatever shape your file is in when we start, what we submit is something lenders, regulators, and referral partners can stand behind.
Partner Portal · Live Tracking
Get a dedicated portal to track every mutual client in real time — automatic updates at every stage, from application to funding. Stay in the loop without lifting a finger, and focus on what you do best.
- Realtor co-marketing
- Accountant / tax-aware structures
- Lawyer & notary referrals
- Trustee / consumer proposal exits
- Renovation & trades partners
- Local businesses we love
- Two-way client referrals
- Equipment & asset financing
Local Businesses We Support
We actively send clients to local businesses we trust: restaurants, meal-prep, renovation crews, retail. If you run a local business and want to be part of our referral circle, we'd love to chat.
Partnership inquiry
Tell us about your practice. We'll respond within one business day.
A consistent record of excellence
Top 5% of DLC brokers nationally.
Recognized year after year among Canada's leading mortgage professionals.
Licensed in BC · Also licensed in AB 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.
Why Manulife One beat a big-bank renewal before an 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.
Using Commercial Equity to Pay Off $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.