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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.
Mortgage Broker for Bankers · BC & Alberta
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.
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 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.
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. Every one has its arithmetic verified against Canadian rules.
Back to prime timeline
For the client you had to decline: the dated route back to prime lending.
Open it →Stated income — self-employed
What a business-for-self client can do when the personal return does not show it.
Open it →Blended interest rate
The true carrying cost across everything they hold.
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.
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.
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 privacy obligations fully respected, we review your existing files through a financing lens: the deal declined two years ago that places today, the equity position that unlocks a next move, the renewal nobody is watching. Missed files become closed deals — for you and for us — everyone involved looks like a complete professional, and the biggest winner is the client who was told it couldn't be done.
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.
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.
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.