🏠
Beneficiary buyout mortgages
One heir keeps the property and finances the others out — the buyout structured as a purchase where possible for stronger leverage.
Mortgage Broker for Estate & Probate Lawyers · BC & Alberta
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.
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.
⚖️
Estate equalization refinance
Equity take-outs that equalize distributions without forcing the sale of a family property nobody wants to lose.
⏳
Probate-period bridge
Private financing that carries property taxes, insurance, and estate costs while the grant of probate is pending.
🧾
Executor liquidity
Funding for probate fees, CRA clearance amounts, and estate debts — so the executor isn't fronting costs personally or fire-selling assets.
🌅
Reverse mortgages for surviving spouses
For the 55+ spouse who wants to stay: tax-free equity access with no required payments — including preferred pricing not offered publicly.
📜
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.
🤝
Your client stays your client
We broker mortgages — nothing else. No investments, no insurance, no competing services. Every file comes back to you stronger.
🔍
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.
📋
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.
Equity take-out — two paths
Funding a beneficiary buyout without forcing a sale of the estate home.
Open it →Reverse mortgage — 55+
For a surviving spouse: equity now, and what the estate keeps, year by year.
Open it →Closing cost calculator
Cash needed to close, so an executor can plan the distribution.
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.
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 direct access to pricing below retail reverse rates.
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.