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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.
Referral Partners
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.
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.
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.
Process
What a referral looks like.
1
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.
2
Client conversation
We meet your client, gather documents, and keep you copied at the level of detail you choose.
3
Structure review
Before submission you see the proposed structure and can flag tax implications we should route around.
4
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.
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 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.
Six lender Business Development Managers — MCAP, Canadian Western Bank, Community Trust, Equitable Bank, Home Trust, and Neighbourhood Holdings — have recommended Ramin on the record. Read their words →
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.