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Mortgage Squad Advisors
High-Value · Concierge

High-value mortgage over $1M? Service that matches.

When you’re financing $1M or more, the file is more complex — and your time is more valuable. Our High-Value Concierge package puts a senior advisor on your file, covers your independent legal review fee, and handles the heavy lifting so you don’t have to.

$750 legal review fee coveredComplete file: underwriter-ready packaging

No extra charge for the concierge service. Any lender or broker fees on your mortgage, common on private and some alternative files, are disclosed to you in writing before you commit.

Start your pre-approval — 5 min Speak to a senior advisor4.9 out of 5 stars, 256 Google reviews (opens Google)
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Written by the Mortgage Squad Advisors Editorial Team · Reviewed by Surrayya Afzal, Principal Broker, FSRA #M14001433 · Updated October 2026

Example 5-yr fixed
4.14%
rate as of Oct 9, 2026 · illustrative, not a quote
Your estimated payment
$3,202/mo
25-yr amortization · semi-annual compounding
Property value$750,000
Down payment$150,000
Get pre-approved Full math
Maya · AI · 24/7
Tell me about high-value · concierge mortgages
FSRA #13737| 15+ languages
100+ lenderscompared on one application
FSRA #13737licensed Ontario brokerage
15+ languagesspoken by our advisors
No credit pullto start your pre-approval
On this page
  1. A $1M mortgage isn’t 2× the work of a $500K mortgage. It’s 10×.
  2. Plain-language terms.
  3. Who this is for
  4. Example: a $1.8M refinance with a holding company
  5. FAQ

A $1M mortgage isn’t 2× the work of a $500K mortgage. It’s 10×.

High-value files cross more thresholds. Mortgage insurance is only available when the purchase price is under $1.5 million12, so many files at this size are uninsured and must meet each lender’s own rules. Income verification gets stricter. Appraisal requirements get heavier. Documentation requirements multiply. Closing-week issues are higher-stakes. The advisor who handled your friend’s $400K starter home isn’t equipped for it.

That’s why we built this package. Same brokerage that closes $400K files for first-time buyers — but with a different team, different process, and different level of attention for files that demand it.

Plain-language terms.

No catches and no “only on certain products.” The concierge package applies automatically while the program is offered; we will give you notice of any change.

You qualify if:
· Your funded mortgage amount is $1,000,000 or more
· Includes purchase, refinance, renewal, switch, and equity take-out
· Both insured (rare at this size) and uninsured files qualify
· Both single-family and multi-unit residential qualify
· Commercial mortgages over $1M get the same concierge plus our commercial desk
· For property outside Ontario, we can refer you to a mortgage brokerage licensed in that province. Any referral fee will be disclosed to you in writing.

Refinances and equity take-outs are uninsured and are limited to 80% of the home’s value at federally regulated lenders.34 Mortgage insurance applies only to purchases under $1.5 million with less than 20% down, apart from the insured secondary-suite refinance.12

How the package is delivered:
· Automatic — no application form, no qualifying questions
· Eligibility is confirmed at commitment. If your request is $1M or more, we assign a senior advisor at intake.
· Up to $750 toward your lawyer’s independent legal advice fee, paid within 14 days after your mortgage funds, either to you by e-transfer or directly to your lawyer. Conditions apply; see the written offer terms.
· Senior advisor is assigned at intake — not after the file gets complicated
· Stacks with Renewal Loyalty + Rate Beat + Referral programs
· No expiry — available at renewal while the program is offered. We will give you notice of any change.

Who this is for

We see you. We’ve been here before.

Move-up buyers. Trading up to a $1.5M+ home: at this price you need at least 20% down (for example, $360K on $1.8M)1, and you will qualify at the OSFI stress-test rate.5 We model both incomes and your sale proceeds.

Luxury market. The GTA and Ontario’s luxury price tier. Heritage properties, custom builds, lakefront homes. Detailed appraisal requirements managed end-to-end.

Business owners. Self-employed and incorporated business owners with complex income. We add back legitimately and route to lenders that read the whole story.

Investors. Building or restructuring a rental portfolio. Multi-property files, refinance for next down payment, BRRRR-style strategies modelled.

Newcomers (HNW). High-income or high-asset newcomers to Canada. Some lenders accept foreign credit reports and income. Before you make an offer, we check, with your lawyer, whether the federal ban on non-Canadian buyers (in effect until 1 January 2027)6 or Ontario’s 25% Non-Resident Speculation Tax7 applies to you. See our non-resident mortgage page.

Pre-retirement. Restructuring debt before retirement, considering a reverse mortgage, planning intergenerational property transfer. We coordinate with your accountant and lawyer.

Example: a $1.8M refinance with a holding company

Example: a $1.8M refinance with rental properties held in a holding company and dividend income. Here is how a file like this is typically documented and placed.

A senior advisor maps the whole structure at intake: the holding company, the rental properties inside it, and the dividend income from the operating businesses. We coordinate the corporate documents with your accountant and lawyer, then place the file with a lender that reads the full structure, which may be a credit union rather than a bank. As a refinance, it is uninsured and limited to 80% of the home’s value at federally regulated lenders.3

What you get

The full concierge package.

Legal review fee covered. We cover your independent legal review fee up to $750, so you get a lawyer’s eyes on a large commitment without paying for it yourself.
Senior advisor. Your file is handled by a senior licensed mortgage agent or broker experienced with larger, complex files.
Concierge document handling. We coordinate directly with your lawyer, accountant, and (if applicable) wealth manager. No “please send us X” emails to you mid-day.
Underwriter-ready packaging. We send complete, underwriter-ready files to lenders experienced with larger mortgages, which helps avoid back-and-forth. Each lender sets its own turnaround time.
Quarterly portfolio review. For return clients with multiple properties, a senior advisor reviews your full portfolio quarterly — looking for refinance opportunities, equity restructure, or rate-shop windows.
Direct Principal Broker access. If anything escalates, you have direct line access to our Principal Broker. Bypass the queue. Most clients never need it — you have the option.
Strict confidentiality. High-value files often involve sensitive personal or business detail. Access is limited to the advisors working on your file, and we offer secure document upload for sensitive records. See our privacy policy.
Complex-income expertise. Most $1M+ borrowers have dividend, retained earnings, foreign income, or business-for-self income. We add back legitimately and structure for the right lender — not just “line 15000 of your T1.”
After-hours availability. High-value clients have access to evening and weekend availability for time-sensitive moments — offer review, rate lock decisions, closing-week issues.
How it works

Three simple steps, no pressure.

  1. 1

    Senior advisor at intake

    Eligibility is confirmed at commitment. If your request is $1M or more, we assign a senior advisor at intake — not after the file gets complicated. Refinancing, renewing or switching? Start a refinance or renewal application.

  2. 2

    Concierge document handling

    We coordinate directly with your lawyer, accountant, and (if applicable) wealth manager. No “please send us X” emails to you mid-day.

  3. 3

    Underwriter-ready placement

    We send complete, underwriter-ready files to lenders experienced with larger mortgages, which helps avoid back-and-forth. Each lender sets its own turnaround time.

Start your pre-approval — 5 min
FAQ

Common questions, answered.

Don’t see yours? Ask Maya — instant answer, any time.

What exactly counts as a high-value mortgage?
Any funded mortgage amount of $1,000,000 or more on a residential property, or any commercial mortgage of $1M+. The trigger is the funded amount, not the property value — so a $1.5M home with a $700K mortgage doesn’t automatically qualify (but it absolutely can on the next renewal or refinance if circumstances change).
Is there an additional fee for the concierge service?
No. There’s no upcharge or hidden fee for the high-value treatment. On standard A-lender files, the lender pays our compensation — that doesn’t change. We absorb the legal-review fee as part of our investment in long-term client relationships.
Who is my senior advisor?
Depends on availability and specialty match. Your file is handled by a senior licensed mortgage agent or broker experienced with larger, complex files, with experience in your specific situation (newcomer, self-employed, investor, etc.). You can request a specific advisor by name if you have a referral or preference.
Does this work for a $2M+ mortgage?
Yes. The larger the file, the more value the concierge package adds, and we arrange mortgages well above $2M. Above $5M we often involve our Principal Broker directly and may bring in institutional or private banking relationships.
What if my mortgage is just under $1M — say $950K?
You don’t automatically get the full package, but our senior advisors often handle files in the $700K-$1M tier too at their discretion. Mention you’d like consideration when you reach out — we look at the whole picture (file complexity, income profile, equity position, referral source).
How is this different from the Renewal Loyalty rate?
Renewal Loyalty applies to ALL return clients — you get our best rate first. High-Value Concierge is the service tier on files over $1M — senior advisor, legal-fee contribution, underwriter-ready packaging. They stack. If you’re a return client with a $1.5M renewal, you get both.
Can the legal-review fee be paid directly to my lawyer?
Yes. Up to $750 toward your lawyer’s independent legal advice fee is paid within 14 days after your mortgage funds, either to you by e-transfer or directly to your lawyer (send us their invoice and trust-account details). Conditions apply; see the written offer terms.
Is this confidential?
Yes. High-value files are handled by a smaller team with stricter access controls. Access is limited to the advisors working on your file, and we offer secure document upload for sensitive records. See our privacy policy. We do not publish client testimonials or case studies referencing specific high-value clients unless we have explicit written consent.

Sources & references

Figures on this page are sourced below and re-checked each quarter. Rates, insurer rules and lender policies change — confirm anything you plan to act on with a licensed advisor.

  1. 1. Department of Finance Canada, Government announces boldest mortgage reforms in decades (Sep 16, 2024) (accessed October 2026) — From December 15, 2024: insured-mortgage price cap raised from $1M to $1.5M; 30-year amortization for all first-time buyers and all buyers of new builds.
  2. 2. CMHC, CMHC Purchase (homeowner mortgage loan insurance) (accessed October 2026) — Owner-occupied homes: 1-2 units need 5% of the first $500,000 and 10% of the remainder; 3-4 units need 10%; lending value must be below $1,500,000.
  3. 3. Justice Laws (Canada), Bank Act, s. 418: Restriction on residential mortgages (accessed October 2026) — A bank may not lend or refinance above 80% of a home's value unless the loan is insured.
  4. 4. OSFI, Guideline B-20: Residential Mortgage Underwriting Practices and Procedures (accessed October 2026) — Federally regulated lenders' underwriting standards, including the 80% maximum loan-to-value on uninsured (conventional) residential mortgages and refinances.
  5. 5. OSFI, Minimum qualifying rate for uninsured mortgages (accessed October 2026) — Uninsured borrowers qualify at the greater of the contract rate plus 2% or 5.25%; OSFI does not expect the test on uninsured straight switches at renewal (no increase in amount or amortization).
  6. 6. Department of Finance Canada, Government announces two-year extension to ban on foreign ownership of Canadian housing (accessed October 2026) — The ban on non-Canadians buying Canadian housing, originally set to expire January 1, 2025, was extended to January 1, 2027.
  7. 7. Government of Ontario, Non-Resident Speculation Tax (accessed October 2026) — Ontario's 25% province-wide tax on residential purchases by foreign nationals and certain entities.

Ready when you are.

No obligation, and no credit pull to begin. A licensed advisor reviews your file with you, and Maya, our AI assistant, can answer quick questions any time.

Start your pre-approval — 5 min Speak to a senior advisor