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Exits for maturing loans
Twelve to twenty-four months in, we refinance the borrower to an alternative or institutional lender, so your loan is repaid in full on schedule instead of renewed by default.
Mortgage Broker for MICs & Private Lenders · BC & Alberta
Your borrowers need an exit. We arrange it.
A private mortgage is meant to be temporary. When the term ends, the borrower who can't refinance becomes your problem: a renewal you didn't want, or an enforcement you wanted even less. We map the exit from day one, refinancing your borrowers to credit unions, alternative and institutional lenders when the file is ready, and we bring you the deals that fit your book, packaged the way your underwriter wants them.
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 →
How we work with lenders
Complex files, handled properly.
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Deal flow, packaged properly
Appraisal, title, payout statements, the borrower's story and the exit plan in one file, so your underwriter can answer in hours, not weeks. We only send what fits your lending area, loan-to-value and property type.
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The route back to institutional terms
Every private file we place carries a written plan to institutional lending, and we run it. A borrower who leaves you for a bank on time is the outcome both of us want.
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Construction, bridge and special situations
Completion capital, redemption financing, probate bridges and special-accounts take-outs: the files where speed and a clear exit matter more than the rate, and where your capital earns it.
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Second looks on your renewals
A borrower asking to renew may be fundable elsewhere. Send the file, with consent, and we tell you whether an exit exists before you extend.
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Clean lanes
We don't raise capital, sell shares or advise investors. We arrange mortgages for borrowers, and this page is about your borrowers and your deal flow, nothing else.
When to send us the client
The signals worth a fifteen-minute call.
- A borrower's term is ending and a refinance elsewhere is the right outcome
- A borrower is asking to renew for the second or third time
- You want deal flow in a specific area, loan-to-value or property type
- A file is heading toward enforcement and a consensual payout would serve everyone
- A construction or bridge borrower needs take-out financing arranged in advance
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.
What comes back to you: Borrowers who fit your book, packaged to your underwriting, and repayment of the ones we helped you fund, on time.
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.
Back to prime timeline
The dated route from a private loan back to institutional lending, for the exit plan.
Open it →Cap rate, NOI & cash-on-cash
The income property side of a file, straight from the rent roll.
Open it →Mortgage penalty — break or stay
What leaving an institutional lender early costs a borrower, when a private bridge is the plan.
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.
What do you need to place a borrower's exit?+
Current statements on your loan, the original appraisal, the borrower's income picture and credit, and the borrower's consent. We tell you within days whether an institutional or alternative lender will take the file now, in six months, or not without changes.
Will you send us deals that don't fit?+
No. Tell us your lending areas, maximum loan-to-value, property types and minimum and maximum loan size, and that is what arrives. A file outside those goes elsewhere.
Is this an investment relationship?+
No. We hold no securities licence, we don't raise capital for MICs and we don't advise anyone on investing in one. The relationship is lender and broker: your borrowers' exits and your deal flow.
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. Ontario files are placed through DLC AIMI Collective Mortgage Group, licensed in Ontario, by our in-house underwriter; files in other provinces go through the Dominion Lending Centres national desk — 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.