If you have a client with equity in their Ontario home and a problem you can’t solve inside your own practice, I can help — and I’ll tell you honestly whether borrowing is the right move for them. This page explains how a referral works, what happens to your client, and how I keep you informed.
Who refers clients to me
| You are a… | The client who fits |
|---|---|
| Licensed Insolvency Trustee | Someone with home equity who might avoid insolvency, or fund a proposal, by using it |
| Accountant | A client with CRA arrears and a house, or a self-employed client the banks decline |
| Realtor | A buyer whose financing fell through, or a seller in distress who needs time |
| Family or real estate lawyer | A separation buyout, or a client needing funds while a matter settles |
| Mortgage broker | A file you can’t place or don’t work in — I don’t touch your client for anything else |
| Credit counsellor / paralegal | A client mid-crisis who needs an honest read on their options |
What your client experiences
The same thing every visitor to this site gets: a comparison-first conversation, not a sales pitch. I look at their objective, their equity, their existing mortgage, their income and their exit plan, and I tell them which options are worth considering — including the ones that aren’t a mortgage at all.
If borrowing against the home is the wrong move for them, I say so. That matters to you, because a referral that goes wrong reflects on the person who made it. I’d rather protect your relationship with your client than close a deal that shouldn’t happen.
How the referral works
- You introduce us — a quick email, a phone call, or the form below. Whatever suits you.
- I contact your client promptly and explain their options plainly, at no cost and with no obligation.
- I keep you informed — with your client’s consent — on whether it proceeded and roughly how, so you’re never left wondering.
- Your client stays yours. I’m there for the mortgage question, not to cross-sell or take over the relationship.
For accountants specifically
The CRA arrears page was written to be useful to you and your clients. The awkward reality — that many A lenders won’t fund while arrears stand, which is exactly when the client needs the funds — is where a second or private mortgage that pays CRA directly on closing often solves the problem. If you have a client stuck in that loop, that’s a conversation worth having.
For insolvency trustees specifically
Sometimes a homeowner with equity has an option other than a proposal or bankruptcy — and sometimes they don’t, and the equity route would only delay the inevitable at higher cost. I’ll give your client a straight read either way, and I won’t push a mortgage on someone who’d be better served by the process you administer. Where equity genuinely helps, I can move quickly.
Referral agreements
For brokers and for partners who prefer a formal arrangement, referral fees are structured in accordance with FSRA rules and Mortgage Architects’ policies, disclosed to the client as required. If you’d like a written referral agreement in place before sending files, I’m glad to set one up.
Refer a client, or ask a question
Use the form below, or reach me directly — 647-291-7116 or rajiv@simplifymortgage.ca. If it’s urgent for your client, phone is fastest.
A note on privacy. Please don’t send client financial details through the form. Introduce us, confirm your client has agreed to the introduction, and I’ll gather what’s needed directly from them with their consent. That keeps everyone on the right side of PIPEDA and your own professional obligations.
This page is general education about mortgage options in Ontario. It is not legal, accounting, tax or insolvency advice, and it is not an offer of credit. Please seek independent professional advice for your own situation.