💸
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.
Mortgage Broker for Financial Advisors · BC & Alberta
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.
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 →
Where we fit your practice
Complex files, handled properly.
🔍
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.
🏠
First-home coordination
FHSA, RRSP Home Buyers' Plan, and down-payment strategy sequenced with your planning — not improvised at the mortgage desk.
💧
Cash damming setups
For clients with rental or business income: structures that make interest deductible and free additional plan-funding room.
🌅
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.
🛡️
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.
🤝
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.
Affordability + stress test
What the client actually qualifies for, before the plan assumes a number.
Open it →Pay off your mortgage faster
Prepay or invest — the arithmetic, without the sales pitch.
Open it →Smith Manoeuvre & cash damming
The deductibility strategy, with the return it has to beat.
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.
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.
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.