Private WealthFinancing
For family offices · A desk, not a product

The lending leg, without disturbing the structure

A family office already has the governance, the investment policy and the professionals. What it rarely has in-house is a mortgage desk that can finance inside the structure the office built — the holding company, the trust, the operating company that owns the premises — without a bank asking the family to simplify what took a decade to arrange. This desk does that, and hands every relationship straight back.

Where the desk fits

Six situations where an office's own bankers tend to stall, and what this desk does with each.

  • Inside the structure

    Mortgages to holding companies, family trusts and operating companies, with personal and corporate covenants negotiated deliberately. The lender is briefed on the structure; the family is never asked to unwind it.

  • Borrow, don't liquidate

    Equity released at mortgage rates to fund a purchase, a distribution or a tax bill without selling positions or triggering a disposition — modelled beside the sale, on the office's own numbers, before anyone chooses.

  • Many properties, one file

    Residences, recreational property and investment holdings financed as a portfolio, with cross-collateral used sparingly and only where the office agrees to it.

  • The next generation

    A child's purchase funded with the family's capital — a gift, a documented family loan, or the parents borrowing against their own property — scored on both generations' books with the wealth-transfer tool before the cheque is written.

  • U.S. property

    Cross-border purchases and refinances through the desk's U.S. lending relationships, documented for Canadian owners — the terms are on the U.S. cross-border page.

  • Liquidity events and estates

    Bridge financing around a sale, a buyout or a probate, arranged to a date, with the exit written in before the advance.

When to send us the family

The signals worth a confidential call.

  • A purchase or refinance has to sit inside a holding company or a trust, and the bank wants it in a personal name
  • The family needs liquidity and the default answer is selling investments
  • A second, third or recreational property is being added to the portfolio
  • An adult child is buying and the family's capital is part of the plan
  • A U.S. purchase or refinance is on the table
  • A sale, a buyout or an estate needs bridge financing on a date

What comes back to the office: families who need what you do — business owners with a liquidity event and no governance around it, and wealthy households whose advisors are three unconnected professionals. When a file shows a family that needs an office, we say so and make the introduction.

The desk's promises

  • DiscretionNeed-to-know, always. Nothing leaves this desk without the client's explicit consent, and any professional we bring in sees the minimum the work requires.
  • The office stays in controlWith the client's consent, the office sees the proposed structure — leverage, term and exit — before anything is submitted, at whatever level of detail the family chooses.
  • Mortgages onlyNo investment licence, no insurance, no products. We arrange the financing and hand the relationship back; the assets you steward are never the subject.

Questions family offices ask

Whose relationship is it after the introduction?+

The office's — before, during, and after. We finance the property and hand the relationship straight back. There is no investment pitch, no cross-sell, no attempt on the assets you steward; the mortgage is the entire mandate.

Can the desk lend to a trust or a holding company?+

Yes — that is most of the work. Lenders differ widely on borrower types, guarantees and the paper they want, so we brief the right ones on the structure the office has built rather than asking the family to simplify it. Personal and corporate covenants are negotiated deliberately, and the office sees the proposed structure before anything is submitted.

How is the desk paid, and does the office pay anything?+

On most placements the lender pays the brokerage on funding — the client pays nothing for our work. Where a file genuinely requires a brokerage fee, as some private and specialized structures do, it is disclosed plainly, in writing, before anyone commits. The office pays nothing. Referral arrangements exist where regulation allows and are disclosed to the client either way; many offices decline them to preserve independence, and that works too.

What does the office see, and what does the family see?+

What the client authorizes. With consent, the office sees the proposed structure before submission and a closing summary after funding, at whatever level of detail the family chooses. No client data is shared with the referring office unless the client authorizes it, and nothing leaves this desk otherwise.

Where is the desk licensed — and what about property outside BC and Alberta?+

Licensed in British Columbia (BCFSA) and Alberta (under DLC AIMI Collective Mortgage Group), within the Dominion Lending Centres Group. For clients in Ontario the file is placed through DLC AIMI Collective's Ontario licence by our in-house underwriter; for other provinces it goes through the Dominion Lending Centres national desk, with Ramin on the file throughout. U.S. property runs through the desk's U.S. lending relationships. One desk owns the file, the standard doesn't change, and the relationship comes back to you.

A confidential conversation, whenever it suits — about a family, or about how the desk works.

Arrange a confidential introduction

Ramin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Questions advisors ask · Legal & licensing · Privacy policy

Proud member of the Greater Langley Chamber of Commerce.

Private Wealth Financing is a private-client mortgage desk of Mortgage Guru Financial, operating within the Dominion Lending Centres Group of Companies. We arrange mortgage financing only; we do not provide investment, tax, or legal advice. All financing is subject to lender approval, verification, and property valuation.