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Proposal funding via equity
Lump-sum consumer proposals funded through a refinance or private second — often the difference between creditor acceptance and rejection.
Referral Partners
Home equity is often the exit your debtors need.
Many insolvent homeowners aren't broke — they're illiquid. We unlock equity to fund proposals, pay out completions early, and map the route back to prime lending — for Licensed Insolvency Trustees and the insolvency advisers and administrators working alongside them.
The files we take off your desk
Complex files, handled properly.
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Early completion payouts
Refinances that pay out an accepted proposal in full, shortening the R7 runway and starting the credit rebuild years earlier.
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Active-proposal mortgages
Select alternative and private lenders will fund inside an active proposal — equity-based, with the proposal payout usually built into the advance.
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The road back to prime
Post-discharge lanes mapped in writing: 2-2-2 rule for insured files, alt-lender bridges in the interim, target dates your client can hold onto.
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Pre-filing alternatives
Sometimes a consolidation refinance beats filing entirely. We give you an honest equity read before your client commits either way.
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Corporate insolvency exits
CCAA, BIA, and receivership take-outs for business owners with real estate — clearing legacy debt and stabilizing the operating company.
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.
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.
Can a client in an active consumer proposal actually get a mortgage?+
Often, yes — if there's home equity. Several alternative and private lenders fund inside active proposals, typically paying the proposal out in full at close. Equity and property drive the approval, not the credit score.
Does paying out a proposal early actually help the client?+
Materially. The R7 rating clock runs from completion, so a proposal paid out in year one instead of year five puts the client back at prime lending years sooner — usually saving far more than the payout costs.
I'm an insolvency adviser, not the trustee — can I still refer?+
Absolutely. Advisers and administrators are usually the first to see that a debtor owns real estate. Flag the file, we run the equity math, and the funding option lands on the trustee's desk fully packaged — you look sharp to the trustee and the debtor alike.
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.
Six lender Business Development Managers — MCAP, Canadian Western Bank, Community Trust, Equitable Bank, Home Trust, and Neighbourhood Holdings — have recommended Ramin on the record. Read their words →
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.