Principal-residence mortgages
Bespoke structuring for properties from $1.5M to $25M+. We navigate prepayment covenants, offset portfolios against bank-held deposits, and negotiate rate privileges unavailable on retail rate sheets.
— Canadian mortgage advisors for high-net-worth families —
Private-banking counsel
for the most important loan you will ever hold.
For 22 years, Ridgeview has advised Canadian executives, physicians, and second-generation families on the structure of their residential and investment-property mortgages. No call centres. One senior partner per client.
22
Years in practice
$4.2B
Originated since 2003
94%
Client retention
340+
Multi-property families served
— Our offerings —
Four practices. One integrated advisor.
Investment & rental portfolios
Whether your family holds three rental doors or thirty, we structure lending that protects tax treatment, avoids personal-guarantee cascades, and positions you for the next acquisition — not just this one.
Non-traditional income structuring
Surgeons, self-employed executives, and trust-fund income all require lenders who can read the returns. We maintain relationships with eight private banks whose adjudicators actually understand complex income.
Cross-border & new-immigrant
For families relocating from the US, UK, or Hong Kong, we establish Canadian credit history, coordinate with cross-border accountants, and close first mortgages that don't require two years of Canadian tax returns.
One senior partner, permanently assigned.
From your first meeting through every renewal for the next thirty years, you work with one advisor. Not a rotating team. Not a junior after the deal closes.
Relationships with eight private banks.
The rate on your closing statement is only the beginning. We negotiate prepayment privileges, portability terms, and asset-under-management fee concessions that retail brokers never see.
Confidential by policy, not convenience.
Client files are held in encrypted Canadian-sovereign storage. No cloud processing of financial statements in foreign jurisdictions. Our nondisclosure is signed before the first document request.
— Our partners —
The advisors who will answer your calls — today, and in 2046.
EB
Elisabeth Bourget
Founding Partner
M.B.A. Ivey · Mortgage Broker Lic. M02014587 · 22 yrs
Founded Ridgeview in 2003 after seven years at a Canadian private bank. Lead advisor for twelve of our highest-AUM client families.
JW
Jonathan Whitcombe
Managing Partner
CFA · Mortgage Broker Lic. M04009834 · 18 yrs
Specialist in investment-property portfolios and cross-border US/CA mortgages. Joined Ridgeview in 2008 from a New York private bank.
— Insights —
Quarterly commentary from the partners.
April 2026
Why your renewal is the most negotiable moment of your mortgage.
The 120 days before maturity are the only window where a lender truly competes for your business. We walk through the five levers most advisors overlook.
Read the note →March 2026
Portfolio lending after the OSFI rental-income clarification.
OSFI's early-2026 guidance on how rental income may be applied has quietly reshaped what is possible for multi-property families. A practical primer.
Read the note →February 2026
The cross-border mortgage: what Americans moving to Canada actually need.
A client case study — how we closed a $4.8M Toronto mortgage for a New York-based executive inside 45 days of their landing date.
Read the note →— Begin the conversation —
We would be honoured to hear from you.
Our partners accept a limited number of new client families each year. An introductory consultation is by appointment only and held in confidence.