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 →
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
- 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 →
