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Full-balance payout refinance
Homeowner debtors refinance and the collection account is paid in full at closing — funds flow directly, no instalment risk.
Referral Partners
A debtor with home equity is a collectable file.
Garnishments grind out pennies for years. A refinance pays the account in full, in weeks — the debtor clears their bureau, your client gets 100 cents on the dollar, and your recovery rate does the talking.
How we turn files into payouts
Complex files, handled properly.
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Settlement-funding closes
Negotiated a reduced settlement? We finance it so it actually funds by the deadline instead of dying as a promise.
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Judgment collections
Post-judgment, the equity conversation changes. We arrange the refinance that satisfies the judgment consensually — faster and fuller than enforcement.
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The debtor's incentive to cooperate
Paid collections, a clearing bureau, and one manageable payment — cooperation stops being a favour and becomes their best option.
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Portfolio triage
For larger books: with debtor consent, we assess which homeowner files carry fundable equity — so your team works the collectable accounts first.
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Compliant by design
Everything is debtor-initiated and consent-based. You point; the debtor calls us; privacy legislation stays respected end to end.
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.
Why would a debtor ever agree to this?+
Because it's genuinely their best move: collection interest and legal costs stop, the trade line reports paid, the credit rebuild starts immediately, and one mortgage payment replaces the pressure. We give them the math; the math persuades.
How does this stay compliant?+
The debtor contacts us and consents in writing before anything happens — we never receive account details from your side. Your role is limited to suggesting an option; ours is regulated mortgage brokering under BCFSA/RECA.
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.