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Redemption-period rescue
Private first mortgages closing in 5–15 business days — inside the redemption period, before the order absolute forces the issue.
Mortgage Broker for Foreclosure & Realization · BC & Alberta
A full payout beats a conducted sale. Every time.
Whichever side you act for, the best foreclosure is the one that ends with the lender paid in full and no court sale. We arrange redemption financing quickly — equity-based, income-optional — so, where equity, timing, and a viable exit allow, the lender is repaid and the borrower avoids a forced sale.
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.
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Arrears, costs & fees consolidated
The payout covers arrears, legal costs, property taxes, and penalties in one advance — a genuinely clean slate, not a patch.
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Lender-side full-payout exits
Acting for the lender? We refinance the borrower so your client collects 100 cents on the dollar including costs — without the timeline and discount of a conducted sale.
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Order nisi payout refinance
Take-out financing sized to the redemption amount, coordinated with your office so funds land before deadlines do.
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Stabilization after the rescue
The private rescue is step one. Step two is a mapped refinance to alternative or prime lending in 12–24 months, so the client doesn't boomerang.
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Judgments & liens cleared at close
CPLs, judgments, and statutory liens paid out and discharged as part of the advance — title cleaned up in one transaction.
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.
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
What a redemption or reinstatement could be funded with, netted of costs.
Open it →Back to prime timeline
The dated route back to normal lending once the file is behind them.
Open it →Mortgage penalty — break or stay
The real cost of breaking, when a refinance is on the table.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
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 fast can you realistically close?+
With a current appraisal in hand, private redemption financing closes in as little as 5 business days; 10–15 is typical when we're starting cold. The critical path is usually the appraisal and payout statements — loop us in early and we run them in parallel.
The borrower has no provable income. Is it still fundable?+
Usually, if the equity is there. Redemption financing is underwritten on the property, the equity position after all payouts, and a credible exit — typically up to 70–75% of value. Income helps but doesn't decide the file.
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.