Advanced Mortgage Strategy for Complex Situations

WHO THIS APPLIES TO

• Self-employed or non-standard income

• Using alternative (B) or private lenders

• Multiple properties or accessing equity

• Timing, tax, or structure matters

👉 In these cases, structure often has a bigger impact on total cost than the rate

HOW THIS IS STRUCTURED AND EXECUTED

Standard — simpler, no additional fee

• Set up based on current needs

• No ongoing strategy or maintenance

Structured — more involved, includes a fee

• Strategy is mapped out before execution

• Lenders and timing are coordinated

• Structure is managed over time

👉 Rewards can be applied toward this when applicable

🧠 In more complex situations, the structured approach can result in a lower total cost — even after the fee

We’ll walk through both so you can decide

HOW THIS IS APPROACHED

• We focus on the outcome — not just the transaction

• We don’t default to the easiest option

• We use available lender options to avoid unnecessary penalties

• We plan ahead so you’re not forced into decisions later

👉 We’ll advise you on the best option
even when it means not earning a commission

In some cases, this means not refinancing
even when that’s the typical solution

For example, clients have accessed equity through their lender using the right approach
avoiding penalties and saving $10K–$30K in fees

REAL EXAMPLE

How a multi-property mortgage was structured to reduce costs and avoid penalties — including avoiding unnecessary fees

🔗 View the case study →

CLOSING COST REWARD TO OFFSET FEES

TURN LENDER FEES INTO RECOVERABLE COSTS

👉 If you’re already paying a lender fee
how much of it can you get back

Instead of just paying lender fees, you can earn rewards and recover those fees over time

In some cases, this can cover a meaningful portion — or even all — of the lender fee
depending on referrals

Built for clients using B lenders
where upfront costs are higher but recoverable over time

💡 HOW THIS WORKS

If your mortgage doesn’t fit standard bank guidelines
you may need a different type of lender with upfront fees

• Most of these mortgages include a lender fee (often around 1%)

• Common when income or structure doesn’t fit traditional bank guidelines

⚖️ TRADE-OFF

More flexibility and access to financing

Higher upfront costs (lender fees, higher rates, less favourable terms)

🔁 HOW THIS IS OFFSET

In some cases, a meaningful portion — or even all —
of the lender fee can be recovered

• Recover your lender fees after closing
by referring others before your mortgage closes

• Continue recovering those costs over time
by referring after your mortgage is set up

🧠 WHY THIS MATTERS

Instead of just paying the fee, you can recover it over time

👉 The earlier you start referring, the more of the fee you can recover after closing

In many cases, what is normally a sunk cost can be partially or fully recovered

Share → Earn → Save

Lock it in now — decide later

No obligation. Takes less than 30 seconds

If you want, you can schedule a Strategy Review afterward
to walk through your situation

🔗 Schedule a Strategy Review →