High-net-worth mortgages.
Asset-rich, income-light on paper — qualified on the balance sheet, not the tax return. BC and Alberta, coordinated with your advisors.
Wealth and mortgage qualification speak different languages: your accountant spends the year keeping income off your personal return, then a bank demands two years of exactly that income. The fix isn't undoing good tax planning — it's lending programs built to read balance sheets: net-worth qualification where documented assets stand in for income, holdco structures, and ratio flexibility that branch staff rarely mention. Your portfolio stays invested, your structure stays intact, and the mortgage gets built around both.
Financing that respects the balance sheet.
Wealth in portfolios rather than T1 income — documented assets stand in for income, roughly dollar for dollar.
Financing inside holding companies for asset protection and estate planning, coordinated with your tax advisors.
The $3M+ uninsured files most bank branches can't structure — placed with the lenders and private banks that can.
Equity and asset-backed structures that fund the need without selling positions or triggering capital gains.
Dividends, capital gains, trust distributions, cross-border earnings — read by lenders who understand them.
Structured alongside your wealth manager and accountant — the portfolio stays theirs; the debt side is ours.
Three ways wealth qualifies.
The program most wealthy borrowers are never told about at the branch: the bank's own net-worth lending, unlocked by documentation rather than income gymnastics.
On uninsured files the ratios are negotiable in a way branch staff rarely volunteer — the same numbers approve at one desk and decline at another.
For the file where the money exists but not yet in mortgage-shaped form: the estate settling, the business selling, the portfolio you refuse to touch mid-year.
Program thresholds and ranges are typical and for illustration — last reviewed July 2026 — and net-worth program details vary by lender; we confirm your file's exact numbers in writing.
Private Wealth Financing.
For high-net-worth families and their advisors we run a dedicated private-client desk under its own brand — complex-income qualification, borrow-don't-sell structures, seventeen planning calculators, and discretion as a feature. Same broker, same licensing; a room built for this conversation.
Visit Private Wealth Financing ↗Files like yours.
Common asset-based questions.
How do I qualify for a mortgage when my wealth isn't 'income'?+
Through net-worth programs: with a minimum 35% down payment and $250,000+ in documented liquid assets, lenders let assets stand in for income — roughly dollar for dollar — at competitive bank pricing. The wealth your tax planning deliberately keeps off your T1 stops being a mortgage problem.
Can I buy or refinance inside my holding company?+
Yes — select lenders finance property held in holdcos, structured for asset protection and estate planning and coordinated with your tax advisors. Fewer lenders play in this space and personal guarantees are standard, which makes placement the whole file.
Why did my own bank struggle with my jumbo purchase?+
Branch lending is built for T4 files under insured limits; a $3M+ uninsured purchase with corporate income breaks its boxes. The same file placed at the right desk — conventional flexible-ratio, net-worth program, or private bank — closes routinely. It's not your file; it's the reader.
Should I sell investments for the down payment, or borrow against them?+
Selling triggers tax and interrupts compounding; borrowing keeps the portfolio working while real estate is financed on its own merits. The right answer is arithmetic — your marginal rate, expected returns, and borrowing cost — worked through with your advisor. We model both routes and have no stake in which wins.
Do dividends and capital gains count as income?+
At the right lenders, yes — dividend income can be grossed up, corporate earnings read through the financials, and irregular capital gains treated sensibly rather than ignored. This is placement territory: standard desks average and discount; specialist desks read the whole balance sheet.
Is there a dedicated service for high-net-worth files?+
Yes — Private Wealth Financing, our dedicated private-client desk built for HNW families and the advisors who steward them: complex-income qualification, portfolio-preserving structures, planning calculators, and discretion as a feature. Same broker, same licensing, positioning built for this exact conversation.
Complex balance sheet? Have these ready.
Your accountant likely has all of it — we work with them directly, and discretion is the default.
- Investment and bank statements documenting liquid assets (90-day history)
- Corporate structure — holdcos, opcos, and trusts, with your accountant's map
- T1s/T2s and Notices of Assessment — even when income isn't carrying the file
- The property — purchase contract or refinance details
- Down-payment source and its paper trail
- Your advisor's and accountant's contacts — we coordinate rather than collide
- For holdco files: financial statements and shareholder details
The wealth is real. Make the paperwork agree.
A confidential conversation about the assets, the structure, and the property — and we'll tell you which program reads your balance sheet the way it deserves.