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Decline triage
Ratio, credit, or income-documentation declines funded through alternative or private lanes — with a mapped 12–24 month return to bank-grade lending.
Referral Partners
A decline doesn't have to be a goodbye.
You keep the deposits, the accounts, and the relationship. We fund the file you couldn't — then rebuild it to bank standards and send it home. Residential or commercial, the client remembers who looked after them both times.
The files we take off your desk
Complex files, handled properly.
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Top-ups behind your first
Private seconds that solve the shortfall without disturbing your first mortgage — your security position and client relationship stay intact.
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CRA cleanup, then homecoming
Tax arrears paid out through equity, returns brought current, and the file returned to you clean enough to pass adjudication.
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Commercial workout exits
Special-loans and covenant-breach files refinanced out gracefully — your bank exits whole, without enforcement optics, and the operating accounts stay put.
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Bridges while conditions cure
Short-term private capital that carries the client while the sale closes, probate grants, or the two-year self-employed history seasons.
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Referrals flow both ways
Our clients graduate to prime constantly — and they need full-service banking when they do. Strong branch partners are where we send them.
Relationship protection
How we protect your client relationship.
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Your client stays your client
We broker mortgages — nothing else. No investments, no insurance, no competing services. Every file comes back to you stronger.
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You stay in the loop
With client consent, you see the proposed structure before it's submitted — leverage, rate, term, and exit — at whatever level of detail you choose.
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Documentation done properly
Files built to be defensible — complete, consistent, and explainable to a lender, CRA, or a court if it ever comes to that.
Process
What a referral looks like.
1
Intro call (15 min)
You outline the situation — no names needed. We tell you honestly whether we can add value and 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 legal, tax, or timing implications we should route around.
4
Funding & handback
The deal funds, you receive a closing summary for your file, and the client returns to you for everything else.
Partner FAQ
Questions partners actually ask.
Am I even allowed to refer a declined client to a broker?+
Policies vary — most institutions permit client-directed introductions ('you might speak with an independent broker') even where formal referral programs don't exist. Structure it however your compliance requires; we make you look good either way.
Will you move the client's banking?+
No. We hold no deposit products and want none. Chequing, savings, cards, and investments stay exactly where they are — and when the mortgage is bankable again, you're positioned to win it back.
Do you pay referral fees?+
Where regulations allow and with full disclosure to the client, referral arrangements are available — though many of our partners decline them to preserve independence. Either way works, and the client is told either way.
Can you work with clients outside BC and Alberta?+
Our licences 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. Ask about a free workshop for your team while you're at it.