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Referrals at the perfect moment
New mortgage, new baby, new business debt — our clients hit the exact life events that make coverage urgent, and we point them to independent advice, not bank creditor insurance.
Mortgage Broker for Insurance Advisors · BC & Alberta
Every mortgage we fund is a coverage conversation waiting.
We don't sell insurance — and we don't push the lender's creditor product at signing. That makes us the rare mortgage desk that sends protection conversations to independent agents, while our restructures free up the monthly cash flow that pays for proper coverage.
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.
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Cash flow that funds premiums
Consolidations that free hundreds per month — the difference between a client who 'can't afford coverage' and one who protects the family properly.
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Coverage-aware structuring
Mortgage amount, amortization, and debt details shared with consent — so your needs analysis runs on real numbers, not estimates.
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Corporate & key-person context
Our holdco, commercial, and business-owner files routinely surface buy-sell, key-person, and corporate-owned insurance needs — introductions flow naturally.
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Reverse-mortgage estate files
Reverse mortgages change estate math. Clients need beneficiary and coverage reviews when they set one up — another conversation we route to you.
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A genuinely two-way street
Your clients renew mortgages, buy rentals, and consolidate debt. Send them to a broker who guards your relationship the way you'd guard it.
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.
Mortgage payment calculator
The payment a policy needs to cover, at any rate and amortization.
Open it →Amortization calculator
The declining balance, year by year — what coverage actually has to protect.
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.
Do you sell any insurance at all?+
None. No creditor, no term, no whole life — nothing. We actively encourage clients to review proper personal coverage with an independent advisor before relying on lender creditor insurance, and that referral goes to partners like you.
How do your files create insurance conversations?+
Every funded mortgage changes a family's liabilities overnight — and buy-sell agreements, key-person gaps, and estate issues surface constantly in our corporate and reverse-mortgage work. With client consent, you get the introduction at the moment the need is obvious.
My clients say they can't afford new coverage in this economy. Can you really change that?+
Often, yes — because the money usually exists and is simply being wasted. On recent files, consolidating high-interest debt, repricing an overpaying mortgage, and coordinating tax strategy with the client's accountant freed enough monthly cash flow to fund meaningful coverage — including corporate-owned policies — in exactly this economy. We find the wasted money; you turn it into protection.
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.