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Beneficiary buyout mortgages
One heir keeps the property and finances the others out — the buyout structured as a purchase where possible for stronger leverage.
Referral Partners
Estates are asset-rich and cash-poor. We fix that.
Probate fees due before the grant. One beneficiary who wants the house, three who want cash. A surviving spouse who needs income, not a For Sale sign. Every one of those is a financing problem — and financing problems are solvable.
The files we take off your desk
Complex files, handled properly.
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Estate equalization refinance
Equity take-outs that equalize distributions without forcing the sale of a family property nobody wants to lose.
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Probate-period bridge
Private financing that carries property taxes, insurance, and estate costs while the grant of probate is pending.
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Executor liquidity
Funding for probate fees, CRA clearance amounts, and estate debts — so the executor isn't fronting costs personally or fire-selling assets.
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Reverse mortgages for surviving spouses
For the 55+ spouse who wants to stay: tax-free equity access with no required payments — including VIP-tier pricing not offered publicly.
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Title-transfer financing
Mortgages timed to close alongside estate title transfers, coordinated with your office so land-transfer and insurer issues don't re-trigger.
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.
Can you arrange financing before the grant of probate?+
Case-by-case, yes — private lenders can bridge against estate property before the grant where the executor's authority and the estate's equity are clear, or against a beneficiary's own assets. We'll tell you quickly which lane fits.
How do reverse mortgages fit estate practice?+
Two ways: a surviving spouse 55+ can stay in the home with no monthly payments while preserving other estate assets, and reverse structures can fund early-inheritance gifting as part of a plan you and the client design. We hold VIP access to pricing below retail reverse rates.
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.