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Borrow instead of liquidate
Equity take-outs at mortgage rates that fund the need without selling positions, triggering capital gains, or interrupting compounding.
Referral Partners
Every liquidation you prevent is AUM you keep.
When your client needs cash, the default is selling investments — triggering tax, realizing losses, and shrinking your book. Real-estate debt, structured properly, is usually the better answer for them and for you.
Where we fit your practice
Complex files, handled properly.
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Smith Manoeuvre, done right
Re-advanceable structures with segregated sub-accounts, set up correctly from day one — converting principal paydown into monthly investable flow into your book.
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HNW asset-based qualification
Clients whose wealth lives in portfolios rather than T1 income qualify on documented assets — minimum 35% down and $250K+ liquid, no income gymnastics.
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Reverse mortgages that protect portfolios
Retirement income from home equity with no required payments — so the portfolio you manage stays invested instead of being drawn down.
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Holdco & corporate structures
Financing inside holding companies for asset protection and estate planning, coordinated with the client's tax advisors.
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Cash damming for rental owners
Restructuring that converts rental-property interest into a tax-deductible position — another planning lever for your HNW files.
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.
Will you go anywhere near my client's investments?+
No. We hold no securities licence, sell no investment products, and have zero interest in your AUM. We broker debt; you manage wealth. That line is the entire basis of the partnership.
How does the Smith Manoeuvre actually grow my book?+
Each mortgage payment frees re-advanceable room that flows into investments monthly — typically thousands per month of new contributions into accounts you manage, plus the tax deduction that funds more of the same. We build the plumbing; you invest the flow.
Does any of this actually work in a slow economy?+
It works best in one. On recent files we've consolidated scattered high-interest debt, repriced mortgages the bank was quietly overcharging at renewal, and coordinated tax strategy with the client's accountant — and the freed monthly cash flow went straight into portfolios and corporate-owned policies. In a tight market, the liability side is usually the easiest place to find new money, because that's where it's being wasted.
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.