✓ Verified math — proven against independent references and last checked October 15, 2026; the full proof is under "How this is figured," below the results.
The home and joint accounts shared; registered accounts individual — a TFSA or RRSP can't legally be joint; the children's money in its own bucket, because it is theirs. Then the two readings a lender cares about: how much of the home's equity is genuinely reachable, and whether the household's documented liquid assets open the net-worth qualification lane. The program that reads a balance sheet this way is the high-net-worth lending program.
A strong household balance sheet with an awkward income is exactly the file this desk was founded on. The net-worth programs read it correctly.
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@mortgageguru.ca · Legal & licensing · Privacy policy
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Illustration only — not advice, not a credit decision, and not an offer of financing. Reachable equity uses the federal guideline caps for an owner-occupied home; investment properties carry their own per-lender caps and are deliberately left out of that lens. "Documented liquid" means the borrowers' cash, non-registered, TFSA and FHSA money in full (joint accounts included), RRSP and RRIF money at 60% (lenders credit 60 to 70%), and a LIRA or locked-in RRSP at 60% only once its owner is past the age it unlocks; money still locked until retirement doesn't count. Corporate holdings count in net worth but are credited per file; and the children's money belongs to the children, so it never enters the qualification lens. Every figure a lender uses gets verified against statements; this page just organizes the conversation. Private Wealth Financing arranges mortgage financing only.