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.
The full concierge
package.
A $1M+ file is 10× the complexity of a $500K one. Here’s how we handle the extra weight — at no extra charge.
Legal review fee — on us.
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. Paid within 14 days after your mortgage funds, by e-transfer or directly to your lawyer.
A senior advisor at intake.
If your request is $1M or more, a senior licensed mortgage agent or broker experienced with larger, complex files is assigned from day one — not after the file gets complicated.
Complex-income expertise.
Most $1M+ borrowers have dividend, retained earnings, foreign income, or business-for-self income. We add back legitimately and route to lenders that read the whole story — not just line 15000 of your T1.
Strict confidentiality.
Access is limited to the advisors working on your file. We offer secure document upload for sensitive records and do not publish client case studies referencing specific high-value clients without explicit written consent.
How it works —
three steps.
No queue. Senior advisor from intake.
One file, one point of contact.
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? Tell us your intent when you apply.
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. One point of contact; one complete file.
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; we stay on top of it.
We’ve been here
before.
Tap any situation below to see how we approach it.
If you’re…You're trading up to a $1.5M+ home
You're trading up to a $1.5M+ home
At this price you need at least 20% down — for example, $360K on a $1.8M purchase — and you'll qualify at the OSFI stress-test rate. We model both incomes and your sale proceeds to get the number right before you make an offer.
Model my numbersIf you’re…You own a business with complex income
You own a business with complex income
Dividend, retained earnings, or business-for-self income needs a lender that reads the whole story — not just a T1 line. We structure the file for the right lender and add back legitimately.
Start my applicationIf you’re…You're building or restructuring a rental portfolio
You're building or restructuring a rental portfolio
Multi-property files, refinance for a next down payment, and equity restructure strategies modelled end-to-end. The concierge package applies on any file over $1M — purchase, refinance, or switch.
Model my portfolioIf you’re…You're a high-asset newcomer to Canada
You're a high-asset newcomer 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 or Ontario's 25% NRST applies to you.
See newcomer optionsIf you’re…You're pre-retirement and restructuring debt
You're pre-retirement and restructuring debt
Restructuring debt before retirement, considering a reverse mortgage, or planning intergenerational property transfer — we coordinate with your accountant and lawyer.
Talk to a senior advisorIf you’re…You have a luxury, heritage, or lakefront property
You have a luxury, heritage, or lakefront property
The GTA and Ontario luxury tier involves detailed appraisal requirements. We manage the appraisal process end-to-end and work with lenders experienced in non-standard property types.
Start my applicationA $1.8M refinance —
what the file looks like.
Rental properties in a holding company, dividend income from an operating business. Here’s how a typical concierge file is structured and placed.
- Property value$1.8M
- Existing balance$900,000 across 3 props
- Income typeDividend + corp salary
- File coordinatorClient chasing accountant
- Lenders approached2 (bank direct)
- Senior advisor assignedDay one
- Doc coordinationAccountant + lawyer
- Income read asFull corp structure
- Lenders reviewed100+ (incl. CU)
- Legal review fee$750 covered
Illustrative only — your file structure, lender, and rate will differ. B-lender and private files may carry a brokerage fee, always disclosed before you commit.
Common questions,
clear answers.
Eligibility, fees, confidentiality, and what makes $1M+ files different — answered plainly.
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.
We’ll try to beat your rate.
If we can’t, we pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply
Find a specialist in your city
High-value mortgage advisors who know your local market, lender mix, and price tier — across Ontario and Canada.