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CRA arrears & tax debt payouts
Equity take-outs that clear CRA debt before it poisons bank credit. Structured so the client can graduate back to A-lending in 12–24 months.
Mortgage Broker for Accountants & CPAs · BC & Alberta
The mortgage broker your clients' balance sheet deserves.
When a client's mortgage problem is really a tax-structure problem, most brokers are out of their depth. We speak accountant: add-backs, retained earnings, holdco structures, CRA arrears — and we document files the way you'd want them documented.
Seven lender Business Development Managers — MCAP, National Bank, Questbank, Equitable Bank, Home Trust, Neighbourhood Holdings, and WealthOne Bank — have recommended Ramin on the record. Read their words →
The files we take off your desk
Complex files, handled the way you'd handle them.
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Self-employed income reality
Add-backs, dividends, retained earnings, two-year averages that penalize a growth year — we qualify on how the money is actually earned, with lenders who accept it.
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Holdco / Opco structures
Purchases and refinances inside corporate structures, inter-company balances explained to lenders properly, personal vs corporate covenant negotiated deliberately.
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Smith Manoeuvre & cash damming
Readvanceable structures set up correctly from day one — segregated sub-accounts your client's bookkeeper won't curse at tax time.
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Divorce & shareholder buyouts
Equity splits, spousal buyouts and partner exits financed with discretion and clean paper trails.
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Consumer proposals & restructuring
Clients rebuilding after insolvency — realistic lending lanes today and a mapped path back to prime.
The flagship program
Stated income: qualification that doesn't undo your tax planning.
Most lenders qualify a business owner on their personal tax return — so the owner draws more income than they need, pays personal tax on it, and unwinds exactly the planning you set up. Stated income programs qualify on what the business actually earns instead. Your client keeps the money in the company, keeps the deferral you built, and still gets the leverage — typically with higher purchasing power and a leaner document set than personal-income qualification allows. And when the door to that financing opens through you, your client sees an accountant who solves problems well beyond the T2.
Built for
- Small & medium-sized corporation owners
- Sole proprietors
- Holding companies
- Real estate investors
- Clients with US-source income
- Clients living on investment income
Residential and commercial property, personal or corporate ownership — the program exists at A-side, alternative and private lenders, priced differently at each. Placement is the work.
What clients fund with it
CRA balances — corporate or personal
Cleared through equity before a lien is registered or the bank starts asking questions.
Partner buyouts & acquisitions
Financing a shareholder exit or the purchase of a competitor, secured against property already owned.
Their own shop, office or warehouse
Especially clients paying heavy rent — ownership often pencils better than the lease they're locked into.
Equipment & expansion capital
Found inside real estate they already hold, usually cheaper than equipment financing rates.
Debt consolidation & working capital
One structure replacing scattered high-rate corporate and personal balances.
Credit repair
Resetting a bruised file while the business keeps running — with a mapped route back to A-lending.
Insured Stated Income
Get your BFS client into a home with 10% down — on corporate documents, not their T1.
The refinance and equity plays above are for owners who already own property. This is the other direction: the client who rents because their personal income looks too thin to buy. The insured stated-income program (Sagen) qualifies the purchase on the business itself — the same corporate financials you already prepare — so a client whose declared personal income you've kept deliberately lean can still buy the home. It's one of the cleanest reasons a BFS client refers back to their accountant: you didn't just file the return, you got them the keys.
10% down minimum
Not 5% — this program floors at 10% down. Five percent isn't possible here, so we plan the cash accordingly.
Business income, not personal
Stated income must be reasonable and supportable for the industry — corporate docs and bank statements, not an inflated draw.
The trade-off, stated plainly
The premium runs higher than standard insured (about 5.85% at 10% down vs 3.10%). Worth it when the alternative is not buying at all.
Fit check: 2+ years self-employed, a clean two-year credit history, no mortgage defaults in seven years, and a purchase price under $1.5M. Physicians, dentists and vets have their own projected-income lane — ask about it.
Price it on the mortgage insurance calculator →Relationship protection
How we protect your client relationship.
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Your client stays your client
We handle the mortgage. We don't sell investments, insurance, or accounting referrals to anyone else. Every file comes back to you stronger.
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You get the full picture
With client consent, you see the structure before it's submitted — leverage, rate, amortization, prepayment and the tax logic. No surprises at year-end.
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Documentation you can defend
Files built like you build working papers: complete, consistent, and explainable to CRA, a lender, or a court if it ever comes to that.
Send these to your client
Free tools you can hand over today.
No signup, no lead capture, no pitch inside the math — send the link and your client arrives at your next meeting with a number instead of a worry.
Smith Manoeuvre & cash damming
Converting non-deductible mortgage interest into deductible borrowing — with the return it has to beat, shown honestly.
Open it →Stated income — self-employed
What a business-for-self client can borrow when the personal return does not tell the whole story.
Open it →Blended interest rate
The true cost of carrying CRA arrears alongside everything else — and what clearing it changes.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
Case Studies — files like this
Anonymized case studies from our desk. Names and identifying details removed.
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtDone 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 the file →
- Case study · Commercial / Alternative-to-ABanks 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.Read the file →
Process
What a referral looks like.
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Intro call (15 min)
You outline the situation; we tell you honestly whether we can add value and roughly what the structure could look like.
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Client conversation
We meet your client, gather documents, and keep you copied at the level of detail you choose.
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Structure review
Before submission you see the proposed structure and can flag tax implications we should route around.
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Funding & handback
Deal funds, you receive a closing summary for your file, and the client returns to you for the tax side.
Partner FAQ
Questions accountants actually ask.
What exactly is a stated income program?+
Lending that qualifies a business owner on what the business actually earns — corporate financials, bank statements, contracts — rather than the personal income they've deliberately kept low. It is not no-doc lending: the stated income must be reasonable and supportable for the industry and the file. The difference is what counts as proof, and it means your client doesn't have to inflate personal draws (and personal tax) just to satisfy a lender.
Can my self-employed client actually buy a home on stated income?+
Yes — the insured stated-income program (Sagen) is built for exactly that. Your client buys with a minimum 10% down payment (5% isn't available on this program) and qualifies on the business rather than a lean personal T1, using the corporate documents you already prepare. Requirements: 2+ years self-employed, a clean two-year credit history, no mortgage defaults in seven years, and a purchase under $1.5M. The insurance premium is higher than a standard insured mortgage — roughly 5.85% of the loan at 10% down versus 3.10% standard — which is usually a fair price for a client who otherwise couldn't buy. Physicians, dentists and veterinarians have a separate projected-income program.
Do you pay referral fees to accountants?+
Where regulations allow and with full disclosure to the client, referral arrangements are available — but most of our accounting partners decline them to preserve independence. Either way works; the client is told either way.
Will you try to cross-sell my client anything?+
No. We broker mortgages. No insurance, no investments, no wealth management — your client's other advisory relationships stay exactly where they are.
My client has CRA debt and the bank found out. How fast can you move?+
If equity exists, a private or alternative first/second can clear CRA in 2–3 weeks, followed by a planned refinance to A-lending once returns and statements are clean — typically 12–24 months.
Can you go through our existing client base to find missed opportunities?+
Yes — data mining an established partner's book is one of the most productive things we do together. With client consent and your professional obligations fully respected, we review your existing files through a financing lens: the self-employed client declined two years ago whose file places today on stated income, the CRA balance quietly compounding, the equity that funds a buyout or expansion. Missed files become closed deals, everyone involved looks like a complete professional, and the biggest winner is the client who was told it couldn't be done.
Can you work with clients outside BC and Alberta?+
Our licenses cover BC and Alberta. Files in Ontario and other provinces run through our national access desk and underwriting partners — one point of contact, same standards.
Have a client file in mind?
Describe it in two sentences — no names needed.
We'll tell you within one business day whether it's fundable and how we'd structure it.
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.