— Our offerings —

Four practices. One integrated advisor.

Every Ridgeview client engages with one partner across all of these practices. The lines below describe how we work, not how we are departmentalised.

Principal-residence mortgages

Bespoke structuring for primary residences from $1.5M to $25M+.

Negotiated prepayment privileges of 25–35% per annum (standard retail caps at 15%).
AUM-linked rate concessions of 35–75 bps when paired with private-bank deposits.
Portability clauses written for inter-provincial relocation without underwriting cycle.
Bridge financing during transitions, with no double-fee at closing.

II.

Investment & rental portfolios

From three rental doors to thirty — without personal-guarantee cascades.

Holding-company first mortgages that protect personal credit from portfolio activity.
Pari-passu structures across lenders so a single property never blocks the next acquisition.
Coordination with your accountant on rental income smoothing for adjudication.
Refinance windows timed to capital improvements, not the renewal calendar.

III.

Non-traditional income structuring

Surgeons, founders, trust beneficiaries — lenders who can read your returns.

Adjudicators familiar with T2 / T3 / T5008 income, retained earnings, and dividend strategy.
Stated-income files supported by partner-prepared income narratives — declined elsewhere, approved here.
Trust-fund income recognised as qualifying income under three of our private-bank lenders.
Equity-secured lines and variable-rate term debt structured side by side.

IV.

Cross-border & new-immigrant

Closings that don’t require two years of Canadian tax returns.

Canadian credit-history establishment in coordination with your relocation timeline.
Lender relationships willing to underwrite on US, UK, or HK income documentation.
Cross-border tax counsel coordinated by Ridgeview, not pieced together by you.
Foreign-currency deposit programs that hedge your closing FX exposure.

— A note on what we do not do —

We are deliberately narrow. It serves you better.

Ridgeview does not write first-time buyer mortgages, undertake commercial construction lending, or syndicate loans through MICs. The four practices above are where our partners’ relationships and adjudication contacts run deepest. For matters outside this scope, we are glad to refer privately.

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