The incorporated
Owners whose wealth compounds inside holdcos and operating companies, drawing modest personal income by design — often on their accountant's advice.
The founding problem of this desk: substantial net worth rarely arrives as a tidy T1. When income flows through holding companies, trusts, dividends and capital gains, standard debt-service ratios read a wealthy client as unqualified. Net-worth programs read the balance sheet instead — documented assets stand in for income, and the file that a bank branch declined closes properly.
Instead of forcing the client's income into ratios it was never structured to satisfy, net-worth lending qualifies on verifiable, unencumbered liquid assets alongside the property and credit profile. The working shape of the strongest bank-side programs:
The craft is in the documentation: which assets count, how they're evidenced, and how the story of the balance sheet is presented to the right lender — that's the difference between a decline and a clean approval at bank pricing.
Cash flow is the other half of the design. For clients whose capital works harder in the portfolio or the business than in mortgage principal, the desk structures interest-only arrangements where suitable — revolving portions of a readvanceable, or interest-only terms — so the monthly obligation stays deliberately light and the principal is repaid on the client's schedule, not the amortization table's. It's a cash-flow instrument for people with ample means to repay, not a way to afford more house — and the world's most successful wealthy-borrower lenders were built on exactly this structure, for exactly this clientele.
Owners whose wealth compounds inside holdcos and operating companies, drawing modest personal income by design — often on their accountant's advice.
Substantial portfolios, modest pension income on paper — buyers and refinancers the ratio math mistreats worst.
After a business sale or inheritance: enormous assets, no income history in the new shape. Net-worth programs read exactly this file correctly.
Verifiable and unencumbered is the standard — cash, non-registered portfolios and similar liquid holdings documented cleanly. Assets pledged elsewhere, or locked structures, need case-by-case treatment. Part of the desk's work is mapping which of the client's holdings the lender will credit, before anything is applied for.
No — and this matters to you. These programs document assets; they don't demand custody of them. The portfolio stays where it is, managed by you. That's the structural difference between this desk and a bank's private-banking arm, which typically prices its lending against assets moving in-house.
On the bank-side programs, materially bank pricing — that's the point of qualifying properly rather than defaulting to private money. Where a file genuinely belongs in alternative or private lanes (speed, complexity, property type), the pricing reflects it and we say so up front. Lane selection is the job.
An investment-backed line prices off prime and can demand collateral top-ups when markets fall. Net-worth mortgage lending secures against the property at mortgage pricing, with the portfolio untouched and unpledged. For durable borrowing, the mortgage route usually wins; for short bridges, the line has its place — price both honestly.
Anonymized case studies for this program are being prepared from real funded files — nothing invented, ever. The program figures above come from the desk's published lending sheet and are confirmed per file before anything is committed.
If a client's declined file made no sense to you — assets everywhere, ratios nowhere — this is the program that reads it correctly.
Arrange a confidential introductionRamin Hallaji, Principal — licensed in British Columbia (BCFSA) and Alberta, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca
Information, not advice, and not an offer of financing. Program parameters reflect this desk's current published lending sheet, vary by lender and file, and change without notice; all lending is subject to approval, verification, and property valuation. Private Wealth Financing arranges mortgage financing only.