✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
When a client needs liquidity, selling investments triggers tax today and forfeits future growth. Borrowing against the balance sheet can keep the portfolio intact and compounding. This page puts the two costs side by side with your numbers — and the structuring of the borrowing side is exactly what this desk does. The same decision applied one generation down — helping a child buy without selling what is compounding — lives in the wealth-transfer calculator.
Structuring liquidity without disturbing the portfolio — jumbo, portfolio, and asset-backed lending — is precisely what this desk arranges, in coordination with you and the client’s accountant.
Arrange a confidential introductionRamin 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 · Legal & licensing · Privacy policy
Illustration only — not investment, tax, or legal advice, and not an offer of financing. Assumes interest-only carrying cost at a constant borrowing rate, a constant portfolio return, and that the sold assets would otherwise have grown at that return; it ignores market risk, reinvestment of interest, and cash-flow differences. Capital-gains tax shown is deferred, not eliminated — Canada deems a disposition at death. Inclusion rate 50% (verified current for 2026). Figures are directional; confirm every number with the client’s tax and investment advisors. Private Wealth Financing arranges mortgage financing only.