Referral partners · Financial advisers

Why financial advisers introduce practice buyers here

A practice purchase is the largest single move most of your healthcare clients will make. It belongs inside the plan, not beside it.

Make an introduction Request the co-branded one-pager

Your vantage point

What you see first

You know what else is on the balance sheet, what the client's income actually looks like through a professional corporation, and what the money is for after the purchase. That context reaches a lender faster through you than through an application form.

From where you sit

Where these files come apart

The plan and the purchase are built separately

A practice bought without reference to the rest of the plan can quietly undo years of it — the debt, the timing and the personal cash it consumes are all planning questions.

Personal and practice borrowing get tangled

The client's own mortgage and the practice financing are different files with different tests. Deciding which comes first is easier before either one is submitted.

The first year is unfunded

Purchase price is the visible number. The months after closing — payroll, supplies, the slow patient ramp — are the ones that catch people out.

After the introduction

What your client gets

A structure that is built to sit alongside the rest of the plan, not on top of it
The practice, the premises, the equipment and working capital treated as one project
A view on sequencing when a personal mortgage is also in play — the residential side is a sister desk, so both can be seen at once

What this page will not do is quote you a rate, an amount or an approval. Practice financing is priced and approved file by file, and a number invented here is one you would end up repeating to your own client.

The protocol

What stays yours

Your client stays your client. This desk arranges financing; it does not sell investments, insurance or planning, and has nothing to cross-sell your book.

Make the introduction

An email with the client's name and a line about what they are buying starts it. You are told what is happening and when, unless your client asks otherwise.

We take it from there

Your client gets the structure conversation, the file assembly and the lender placement.

You keep the relationship

The client stays yours, and this desk has nothing to sell them but financing.

How a client is protected

Four professionals, one table

The strongest protection a client can have is not one careful adviser — it is four, each standing in front of a different risk. So this desk brings them in on purpose: your client’s accountant, their lawyer, their adviser and the financing, working the same file at the same time. Not four opinions arriving separately, but one plan that all four voices agree on.

Ramin protects the financing

That the structure, the lender and the terms are the right ones for this file — not simply the ones that were available on the day. Debt taken badly is the thing that turns a good practice into a hard decade.

The accountant protects the tax position

That the purchase sits properly inside the corporate structure, and that nothing lands on the client's year that nobody planned for.

The lawyer protects the exposure

That the agreements, the security given and any personal guarantees say what the client believes they say — and that what is at risk is what they agreed to put at risk.

The adviser protects the plan · that is you

That this move fits the strategy it sits inside, instead of quietly undoing years of it.

That is what makes the protection more than the sum of it: nobody works in the dark, the plan is checked from four directions before anything is signed, and each professional catches what the others cannot see from where they sit.

Working alongside the client’s accountant and lawyer is the normal way a file runs here, not a favour. This desk arranges financing and gives no tax or legal advice — naming the other three seats is how that responsibility stays where it belongs.

Start it

One email is enough

Write to ramin@mortgageguru.ca or call 778-879-6768. If you would rather send it through the form, it is on the partners page — and the co-branded one-pager, carrying your firm’s name alongside this desk’s, is requested there too.

The other channels