🏠
Spousal buyouts to 95% LTV
The insured spousal-buyout program treats the buyout as a purchase, not a refinance — letting one spouse finance up to 95% of the home's value to pay out the other.
Mortgage Broker for Family & Divorce Lawyers · BC & Alberta
"Can I keep the house?" deserves a real answer, early.
Half the fights in a separation are about the home — and most settle faster once someone runs the actual numbers. We tell your client early whether keeping the house is financeable, then structure the buyout with discretion and clean paper.
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.
⚖️
Equalization payout refinance
Equity take-outs that fund equalization payments without forcing a sale — keeping kids in the home and the settlement moving.
🌉
Bridge before the final agreement
Interim private or alternative financing when funds are needed before the separation agreement is finalized — with a defined exit at settlement.
📋
Feasibility answers up front
Before positions harden, we tell your client in writing what they can actually qualify for — so negotiations run on numbers, not hopes.
🔐
Discretion as default
One point of contact, communication routed the way you direct, and no file details shared beyond who you authorize.
📈
Post-separation rebuild
For the spouse who can't qualify today: a mapped lane from alternative lending back to prime as support income seasons and credit recovers.
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.
Spousal buyout — who gets what
Send it before the four-way: their split, the cheque, and the mortgage the staying spouse carries.
Open it →Equity take-out — two paths
What an equalization payment costs to fund without selling the house.
Open it →Affordability + stress test
Whether the staying spouse qualifies on their own income — before positions harden.
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.
How does the 95% spousal buyout actually work?+
Insurers treat a matrimonial-home buyout under a written separation agreement as a purchase, so the staying spouse can finance up to 95% of appraised value — enough to pay out the departing spouse's equity in most files. Both spouses must currently be on title and the agreement must document the buyout amount.
Can support income be used to qualify?+
Yes — child and spousal support count with a written agreement and evidence of receipt (typically 3–6 months, lender-dependent). We'll tell you exactly what documentation makes the income usable before it becomes a negotiation point.
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.