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Judgment payout refinance
Defendants satisfy judgments through an equity take-out — your plaintiff client collects in weeks instead of grinding through garnishment and examinations.
Mortgage Broker for Litigation Lawyers · BC & Alberta
Judgments get paid when equity gets unlocked.
A judgment against a homeowner is only as collectable as their liquidity. We turn real-estate equity into settlement funds, judgment payouts, and litigation runway — often converting a years-long enforcement grind into a single funded closing.
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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Settlement funding
Financing arranged against a party's real estate so a negotiated settlement can actually fund — often the missing piece that gets a deal signed.
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CPLs & liens handled at close
Certificates of pending litigation, judgments, and builders' liens paid out and discharged as part of the advance, coordinated with your office.
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Legal-fee funding
Equity-based facilities that let a client with real property but thin cash flow fund representation properly instead of folding early.
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Shareholder & partnership disputes
Buyout financing that resolves corporate and partnership litigation — one side buys, the other exits paid, the company keeps operating.
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Costs awards & disbursements
Post-trial financing to satisfy costs awards, or to carry disbursement-heavy files through to judgment.
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 equity can fund a settlement or a judgment payout without a sale.
Open it →Blended interest rate
The true cost of what they are carrying, and what consolidating changes.
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.
There's a CPL on title — can you still refinance?+
Frequently, yes. The lender advances on the basis that the CPL or judgment is paid out and discharged at closing, with funds flowing through counsel. We coordinate payout statements and discharge documents directly with your office.
Why would a defendant cooperate with this?+
Because a consensual refinance at mortgage rates beats enforcement: no garnishment, no forced sale at a discount, interest stops compounding at judgment rates, and their credit takes one manageable event instead of years of damage.
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.