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Consolidation that funds the plan
High-interest debt rolled into the mortgage at prime rates — the freed monthly cash flow redirected into the insurance and investment plan you designed.
Referral Partners
The plan works when the cash flow exists.
You've built the right plan — and the client can't fund it because debt is eating the monthly surplus. We restructure the liability side so the savings side finally happens. You get a fundable plan; the client gets both.
Where we fit your practice
Complex files, handled properly.
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Renewal audits for your clients
We pressure-test renewal offers against the whole market. When the bank's lazy offer costs your client $300/month, that's plan funding recovered.
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First-home coordination
FHSA, RRSP Home Buyers' Plan, and down-payment strategy sequenced with your planning — not improvised at the mortgage desk.
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Cash damming setups
For clients with rental or business income: structures that make interest deductible and free additional plan-funding room.
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Retirement income via reverse
For house-rich, income-thin retirees: tax-free equity flow with no payments — often the difference between a plan that strains and one that works.
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Debt-swap strategies
Refinances that convert non-deductible consumer debt into deductible investment borrowing, built alongside you and the client's accountant.
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.
Will you cross-sell my client anything?+
Never. No insurance, no investments, no planning services — those are yours. We broker the debt side and hand the cash-flow room back to you and your plan.
What does a renewal audit involve?+
Send us the renewal letter (with client consent). Within two business days we benchmark it against current market pricing for that client's profile and tell you in writing whether to sign, negotiate, or switch — and what the difference is worth monthly.
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.