Proudly part of the Dominion Lending Centres Group of Companies — Canada's #1 mortgage originator · $84.5B funded in 2025, more new mortgages than any bank, credit union or trust company.Part of the DLCG · Canada's #1 originator of new mortgages · $84.5B funded in 2025.DLCG · #1 for new mortgages · $84.5B in 2025Every financing collapse is a commission dying in real time. Before your buyer walks or your seller relists, send us the file — alternative and private lanes can save deals the banks abandon, and we'll assess whether the financing can realistically meet your timeline.
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 buyer's-market play: when the home won't sell but its equity is the down payment for the next one, we structure an equity take-out that covers the down payment and closing costs — so your seller buys today's market, holds the old home for a year or two until conditions swing back to sellers, and you write the purchase now and the listing later.
Bought years ago, appraising lower today — and the lender only lends on the lower number. Before your client walks away from their deposit, we pull equity from another property they own to cover the shortfall and close, and when soft rents mean the rental income no longer qualifies the file, alternative lenders still make it work. Assignments too.
Keep the broker and lender partners you already use — we're not asking to be your go-to. But when their answer is no and completion is closing in, you don't have to lose the deal: alternative and private financing built for tight completion dates. When the go-to can't get it done, that's what a Mortgage Guru is for.
We run your past-client and dead-lead database through a lender lens — with consent, privacy respected. The buyer written off as impossible two years ago places today; the equity sitting in a past sale funds the next move. Deals surface that nobody was chasing, you look like the agent who never forgets a client, and the biggest winner is the client themselves.
Alternative and private lenders qualify on more generous ratios, real-world income, and rental treatment the banks won't touch — so the buyer who maxes out at the branch often qualifies for meaningfully more with us. Bigger budget, same buyer, more of your listings in reach.
Private financing on 5–15 day timelines for foreclosures, court-ordered sales, and probate properties — any deal where speed is the price of admission.
Your own portal shows every stage of your client's file as it happens — application in, documents, approval, conditions, funding. No chasing us for status: you know where the deal stands before the client even asks.
We broker mortgages — nothing else. No investments, no insurance, no competing services. Every file comes back to you stronger.
With client consent, you see the proposed structure before it's submitted — leverage, rate, term, and exit — at whatever level of detail you choose.
Files built to be defensible — complete, consistent, and explainable to a lender, CRA, or a court if it ever comes to that.
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.
Total cash to close — send it with the offer so nobody is surprised on completion day.
Open it →Provincial tax with first-time-buyer and new-build exemptions built in.
Open it →The honest price range before you spend a Saturday on showings.
Open it →The monthly number a buyer asks for at every viewing.
Open it →See all the calculators — 60+ across the practice, free to use and free to share.
Anonymized case studies from our desk. Names and identifying details removed.
You outline the situation — no names needed. We tell you honestly whether we can add value and what the structure could look like.
We meet your client, gather documents, and keep you copied at the level of detail you choose.
Before submission you see the proposed structure and can flag legal, tax, or timing implications we should route around.
The deal funds, you receive a closing summary for your file, and the client returns to you for everything else.
Often, yes. Being told by the bank that they can't carry two mortgages doesn't mean every lane is closed. We place equity take-outs on the current home sized to cover the next purchase's down payment and closing costs, structured so the client can hold both properties. They buy while it's a buyer's market, keep the original home listed or rented for a year or two, and sell when the market tilts back. Instead of losing the client to "we'll wait," you write the purchase now — and you're still the agent on the eventual sale.
Not if there's equity anywhere else. The lender lends on the lower of price and appraisal, so the gap has to be covered in cash — and we routinely pull that cash out of another property the client owns. If softer rents mean the rental income no longer qualifies the file, alternative lenders still make it work. The deposit only dies when nobody structures this before completion — send it to us early.
Send the decline details today. If the file has equity or story, alternative and private lenders can approve in 24–72 hours and fund on the original date. The worst outcome is the one where we hear about it after the collapse notice.
No — we're the lane for the files your bank contacts can't do. Keep sending A-clients wherever they're working; send us the declined, the complex, and the urgent.
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.
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.
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.
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
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.
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.
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