How we solve difficult mortgage files.
Anonymized case studies showing how we structure complex mortgage files across BC & Alberta. Looking for client testimonials and LinkedIn recommendations? Those live on the Reviews page.
How we solve difficult mortgage files — anonymized.
Unique, complex, or unconventional files across BC & Alberta. Each story shows the situation, the structure, and the result. Names and identifying details are removed.
- ✓ Residential
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.
Read case study → - ✓ Residential
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.
Read case study → - ✓ Commercial
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.
Read case study → - ✓ Commercial / Alternative-to-A
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.
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