✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
New to the account? Read the plain-language program page first.
The all-in-one account against a conventional mortgage — same money in on both sides. The account's edge is that every idle dollar works daily and every surplus dollar lands automatically; when a client's habits favour the conventional route instead, this model says so. The plain-language walkthrough lives on the program page.
Account structure, sub-accounts, desk pricing tiers, and whether this chassis fits the client at all — that's a file-by-file conversation, and it's ours.
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 an offer of financing and not financial advice. The fair model: both sides move at least the conventional payment; the account additionally captures the monthly surplus automatically and idle cash offsets the interest-bearing balance, while the conventional side's surplus sits in chequing (extra prepayments there are manual). Fixed sub-accounts (when the revolving cap binds) amortize over 30 years at an estimated fixed rate; main-account pricing uses desk tiers off prime (soft, confirmed per file); the account's monthly fee ($16.95, $9.95 at 60+) and any promotional credits are excluded from the interest figures. Rates shown are July 2026 desk figures — editable and perishable. Private Wealth Financing arranges mortgage financing only.