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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.
Mortgage Broker for Trustees & Insolvency · BC & Alberta
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.
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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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.
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
Post-discharge lanes with dates a client can hold onto.
Open it →Blended interest rate
The consolidation comparison, before they commit to filing.
Open it →Equity take-out — two paths
Whether equity can fund a lump-sum proposal.
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.
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.
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.