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Refinance-plus-improvements
Renovation costs rolled into the client's mortgage at mortgage rates — funds advanced as your work completes, based on the as-improved value.
Mortgage Broker for Builders & Renovators · BC & Alberta
Their dream reno isn't dead — the money's in their equity.
Half your lost contracts die at 'we can't afford it right now.' Most of those clients own homes with six figures of equity. We unlock it — and when it's your own cash flow that's choked between draws, holdbacks, and unsold inventory, we fund you too. Builders sit at the centre of a machine of trades, suppliers, and buyers; one financing partner keeps the whole thing turning.
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 →
How we get your contracts signed
Complex files, handled properly.
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Purchase Plus Improvements
Buyers roll your renovation quote into their purchase mortgage — so the reno is funded before they even move in, with your quote as part of the approval.
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HELOCs & private seconds for renos
When speed matters or the first mortgage shouldn't be touched: equity lines and second mortgages that fund your contract in weeks.
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Construction draw financing
For your custom-build clients: progress-draw construction mortgages with lenders who fund reliably — so your draws arrive when the work does.
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Completion & rescue capital
Client ran out of money mid-project? Private completion financing that gets the project finished and your invoices paid — instead of a lien fight.
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Financing for your own builds
Spec-build construction loans for your inventory homes, plus fast financing lanes for the buyers of your finished product.
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Working capital when you're choked
Equity in your home, shop, or unsold inventory converted into working capital — payroll covered, materials ordered, holdbacks bridged, projects moving.
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The whole machine turns
Your subs, suppliers, and buyers hit money walls too. One financing relationship at the centre keeps every trade on your projects paid and every deal closing.
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.
Rent vs own your shop
The escalating-rent comparison a client asks for before they build or buy.
Open it →Commercial closing costs
Cash to close including GST, environmental and legal.
Open it →Residential closing costs
For the end buyer of a completed home.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
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.
My client wants a $150K renovation but has no cash. What are the real options?+
If they have equity: a refinance-plus-improvements at mortgage rates (funds released on completion), a HELOC for staged work, or a private second when timing is tight. We tell them — and you — which lane fits within a couple of days of seeing the numbers.
We're mid-project and the client's money ran out. Can this be saved?+
Usually, yes — private completion capital is designed for exactly this. It funds against the as-complete value, pays the outstanding and remaining work, and beats the alternative for everyone: you get paid, they get a finished project, nobody starts the lien process.
What about when it's us — the builder — who's choked for cash?+
That's half the builder files we run. Equity in spec inventory, your shop, or your own home converts to working capital in weeks; holdback receivables can be bridged; and stalled projects get completion financing. Being both the client and the referral partner is completely normal here.
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.