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 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
- 50+
- Free calculators across our family — verified math
- 5 Desks
- 4 residential — physician, officer, private wealth, reverse — and 1 commercial: healthcare practice
- 4 Pillars
- Commercial · Residential · Private · Construction
Our Four Pillars of Mortgage Expertise
Multi-family, mixed-use, industrial, owner-occupied & private commercial capital — plus a dedicated healthcare practice desk for existing or future clinic owners.
Self-employed, bruised credit, CRA debt, physician, uniformed officers, divorce buyouts, and reverse mortgages for 55+.
Speed, flexibility, and bridge financing when banks say no — plus a dedicated private wealth desk for high-net-worth files.
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
- 23
- Client Reviews
- 21
- Industry & Lender Recommendations
- Featured In
- Industry News
- Host
- Mortgage Podcast
- Mentor
- Industry Speaker & Mentor
What clients & industry pros actually say.
A small sample of 44 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.
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.
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.
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.