Realtor Partners
Stop Losing Deals to Bank Declines. Partner with the Brokers Who Get It Done. We specialize in saving tough files, securing fast pre-approvals, and keeping you updated at every step — across British Columbia and Alberta. Submit a Deal for Review → Why Top BC & Alberta Agents Partner With CTC Mortgages Real estate agents […]
Stop Losing Deals to Bank Declines. Partner with the Brokers Who Get It Done.
We specialize in saving tough files, securing fast pre-approvals, and keeping you updated at every step — across British Columbia and Alberta.
Why Top BC & Alberta Agents Partner With CTC Mortgages
Real estate agents don’t switch mortgage partners for a slightly better rate. They switch because a deal is falling apart and they need a broker who can save their commission. At CTC Mortgages, we have built our entire practice around being that broker — the one you call when the bank says no, when the file is complex, or when you need a fast answer before an offer expires.
| 90+ Lenders Access to Canada’s major banks, credit unions, B-lenders, and private lenders — all in one call. If there is a way to fund the deal, we will find it. |
Deal Rescue Expertise Self-employed, bruised credit, complex income, investment properties — we specialize in the files that major banks decline. We know which lenders will say yes. |
Flawless Communication You will always know where your client’s file stands. We keep you CC’d on every major milestone so you are never left wondering. |
The Tough Files We Save Every Day
The following scenarios represent the most common situations where agents come to us after a major bank has declined their client. We have a lender solution for every one of them.
| Scenario | The Challenge | Our Solution |
|---|---|---|
| Self-Employed / BFS | Banks penalize entrepreneurs for smart tax planning. Line 150 doesn’t reflect real cash flow. | Stated income programs and add-back calculations through B-lenders and alternative lenders. |
| Bruised Credit | A past missed payment or low beacon score triggers an automatic bank decline. | B-lender and alternative financing focused on equity and income rather than credit history alone. |
| New to Canada | Limited Canadian credit history makes traditional approval difficult. | New-to-Canada mortgage programs with flexible qualification criteria. |
| Investment Properties | Debt-servicing ratios tighten quickly when clients hold multiple properties. | Rental offset programs and investor-specific financing structures. |
| Last-Minute Bank Decline | The bank declines 48 hours before closing. The deal is about to collapse. | Emergency Deal Rescue — we pivot to a B-lender or private solution in days, not weeks. |
| Complex Income | Commission income, contract work, seasonal employment — banks want two years of T4s. | Alternative income verification through lenders who understand non-traditional earners. |
Submit a Deal for Review — No Client Info Required Yet
Tell us about the scenario. We will review the numbers and call you within 4 hours with a viable strategy. You do not need to share your client’s personal information at this stage — just the deal details.
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We respond to all deal submissions within 4 business hours. For urgent files, call Paramvir directly at 778-887-6859.
How the Partnership Works
Partnering with CTC Mortgages is simple and completely free. There are no referral agreements to sign, no exclusivity requirements, and no obligation. You refer a client or submit a scenario, and we handle everything from there — keeping you informed throughout the entire process.
- Submit the Scenario: Use the form above or call us directly. Give us the deal details — purchase price, down payment, employment type, and any known challenges.
- We Analyze 90+ Lenders: Within 4 hours, we identify the best lender options and call you with a clear strategy and realistic approval timeline.
- We Handle the Client: We contact your client, walk them through the process, and keep you CC’d on all major milestones so you always know where things stand.
- The Deal Closes: Your client gets their mortgage, your deal closes, and you have a trusted mortgage partner for every future transaction.
What Agents Are Saying About CTC Mortgages
“Paramvir saved a deal that I thought was dead. My client was self-employed and got declined by two banks. He found a solution in 48 hours and the deal closed on time. I will never use another broker.”
— Real Estate Agent, Surrey BC
“Fast, professional, and always reachable. My clients love working with Paramvir and Jimmy, and I love knowing my deals are in good hands.”
— Real Estate Agent, Calgary AB
Ready to Partner? Let’s Talk.
Whether you have a tough file right now or just want to establish a relationship for future deals, we would love to connect. Call, email, or submit a deal below.
Paramvir Nijjar | 778-887-6859 | info@ctcmortgages.ca