Success stories
Our clients, their stories — how we helped
Every family’s situation is unique — each case below shows how our three pillars came together to solve a real challenge.
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Multi-property financingRental incomeDebt ratios$140K Income, Yet a $300K-Plus Mortgage Was Still Stalled — Rental Income and the Right Lender Made the DifferenceBy documenting the client's genuine occupancy and rental plan, incorporating eligible rental income and matching the right lender policy, the team helped him retain his townhouse and purchase a second property.Read the story
Family loanNo current employment incomeOffshore assetsWith No Current Employment Income, How Did a Couple Refinance a $1.3M Family Loan with a Bank?The team organized the clients' local property, rental income and offshore assets, matched an appropriate high-net-worth review path and converted the $1.3M family loan into bank financing.Read the story
Non-residentRetiredPresale completionA non-resident retiree with no employment income was declined by a Big Five bank — Guaranti rematched the policy and secured a $500K mortgageAfter reviewing the client's Canadian properties, local assets and investments, the team matched the file to a more suitable lending policy and secured a $500,000 mortgage for presale completion.Read the story
Presale completionValuation riskIncome qualificationPresale valuation at risk and income on the books too low — Guaranti solved both at once, $600K approved without touching the client's term depositsThe team solved both the valuation and income sides at once — $600,000 was approved within days, without the client having to break into a large term deposit.Read the story
Low credit scorePrivate lendingTight timelineEvery Bank Said No on Credit — Guaranti Closed a $550K Private Mortgage in Days, on Competitive TermsMoving to the private market, comparing rates, fees and conditions across several lenders, produced a $550K approval within days — in time for the client to complete the purchase.Read the story
Reported income too low for the big banks? An asset-based approval — $600K+ approved and the $800K purchase completedWith the savings documented and the asset picture set out clearly, a major bank approved over $600,000 and the roughly $800,000 purchase completed.Read the story
$200–300K in card debt and a spouse off work — restructuring the household income, a $1.25M refinance completedThe team restructured the borrowing, and a $1.25 million refinance was approved — clearing the card balances in one move.Read the story
Back to school, income on pause, and a presale completion looming — over $500K approvedThe team built the file around the family's overseas income and submitted; over $500,000 was approved and the presale completed.Read the story
The presale appraised below the purchase price — a lender using a blanket assessment, $500K at 80% of the contract priceA lender applying a blanket assessment allowed the loan to be based on the original purchase price — $500,000, or 80% of it, and the completion went ahead.Read the story
$100K income and still declined — rebuilding the income picture, $950K approvedAfter the credit issues were resolved and the rental income added, $950,000 was approved and the purchase closed.Read the story
Too much existing debt to complete on a presale — moving the purchase to the next generation, $300K approvedThe presale was transferred to the client's child as applicant, $300,000 was approved, and the property stayed within the family.Read the story
Retired with no regular income and $200K short at completion — a private loan at 4.89%A private loan at 4.89% covered the shortfall, and he completed on time and moved into the home he had been waiting for.Read the story
Declined by the major banks over a low credit score — a year of rebuilding, then a transfer at a stronger rateAfter a year of steady payments and a rebuilt credit profile, the mortgage moved to a major bank at a more competitive rate.Read the story
More than half down and still declined under a newcomer program — $1M approved with days left before closingA re-worked financing strategy and the right lender produced a $1 million approval within days, and the purchase closed on time.Read the story
Under a year running the store, paperwork missing — rental income and a forward view of the business, $360K approved$360,000 was approved — around ten times her reported income — and the purchase completed.Read the story
$70K income, a thin credit file, and a lender asking for a co-signer — rental income and an exception approval, $450K fundedThe team submitted to several lenders and secured $450,000, and the client completed the purchase of his first property.Read the story
Every bank said no to a $1M title transfer — a low-LTV private loan at about 5% got it doneA private loan of $1 million at around 5% completed the transfer and the family's property restructuring.Read the storyCases are anonymized and drawn from real client situations.
More cases across financing, planning and the Wealth Classroom are on the way.
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