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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.
Mortgage Broker for Collection Agencies · BC & Alberta
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.
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 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.
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.
Blended interest rate
What the debt actually costs, and what consolidating would save.
Open it →Equity take-out — two paths
Whether there is equity to clear the account in full.
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.
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtDone right, a structure like this clears the CRA debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts, on terms a CPA can approve.Read the file →
- Case study · Commercial / Alternative-to-ABanks Declined. Private Lenders Charged 10%+. We Cut His Rate in Half.Cut the borrower's interest rate in half, moved from double-digit private mortgage costs to an alternative commercial mortgage, paid down principal, improved his credit and cash flow, and positioned him for a prime-lender refinance within two years — one broker, one custom plan, from private exit to prime placement.Read the file →
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.
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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.
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.