I.
Holdco + trust file underwriting
We document and present income from incorporated entities, family trusts, and discretionary structures the way a private-bank credit committee actually wants to see it.
Private mortgage advisory · Established 1998Mortgages for the
Mortgages for the
uncomplicated complex.
Trust accounts. Holdco income. Multi-property cross-collateralization. Foreign-asset disclosure. Ridgeview underwrites the file the bank won’t look at and books the rate the bank won’t quote.
$4.2B
Lifetime advised loans
26 yrs
Median client tenure
73
Lender + private capital relationships
Recent · Forest Hill
$4.8M acquisition
Holdco-titled, cross-collateralized, closed in 14 days.
Today’s indicative
4.69%
5-yr fixed · qualifying clients · last revised today, 9:30 AM ET
FSRA #M08009
FCAA Sask. #M-25
AMP-Designate
BCFSA · 2024
Best Boutique 2025
✦ The four practices
The work the
bank doesn’t do.
Ridgeview specializes in the four file types the schedule-A bank stops returning calls on. Three principal partners (combined fifty-two years of practice) underwrite every file personally — your name reaches the lender from ours.
II.
Cross-collateralized acquisitions
Two or three-property assemblies with one closing date. We coordinate the lawyer, the title company, and three appraisers so the math actually closes.
III.
Non-resident & foreign-asset
Documented offshore holdings, NRRPP-compliant filings, and the eight-page written brief lenders need before they will consider underwriting.
IV.
Bridge & private capital
Same-week funding through our 73-counterparty MIC and family-office network when the bank timeline doesn’t work.
The archive · 2024 — 2025
A handful of recent files.
We do not publish a transaction list. With explicit consent, four recent engagements — anonymized, with the structural detail that illustrates the work.
Managing Partner
Charles E. Ridgeway
✦ A note from the desk
“Ridgeview was founded on the premise that the most interesting borrowers were the ones the schedule-A banks declined for the wrong reasons. Twenty-six years on, that’s still the most rewarding part of the practice.”
$4.2B
Loans advised since 1998
73
Active counterparty relationships
98.4%
Repeat business after 24 months
26 yrs
Median primary-client tenure
Confidential · partner-led
A private consultation. Without leaving the page.
Eight short questions help us understand your asset profile, the structure you're contemplating, and your timing. A senior partner reviews and responds within one business day. Your information is never shared without explicit written consent.
- Reviewed by a partner — never an associate
- Discreet by default · NDA-bound on first call
- $2M+ residential, complex income, or cross-border structures
Step 1 of 813%
Get started
What are you looking to do?
Tell us why you're exploring a mortgage — we'll tailor the rest to your situation.
We don't run a credit check. Nothing is shared with any lender unless you ask us to connect you.
✦ Side by side
Ridgeview’s practice
vs the schedule-A bank.
The Ridgeview way
What you receive
The bank way
What you settle for
✦Three named partners on every file
—A relationship manager who rotates yearly
✦Holdco + trust income presented to credit committee
—T1 Generals only
✦Cross-collateralized acquisitions on one closing
—Each property a separate file
✦Same-week bridge funding via 73 partners
—Conventional turnaround, conventional hours
✦Compensation disclosed in writing before signing
—Embedded in the spread, never quantified
✦Renewals reviewed as if you were a new client
—Auto-renewed at posted, hoping you don’t check
On the record
“Two banks declined the file because of the holdco structure. Ridgeview wrote the credit memo for me, walked it to a private bank, and we closed inside two weeks at a rate I would not have negotiated alone.”
G. Marchetti
Holdco acquisition · Forest Hill
$4.8M · 14 days
On the record
“Eight properties. Three lawyers. One closing date. Ridgeview ran the table — we had a single closing meeting and the entire portfolio refinanced.”
S. Khoury
Cross-collateralized refinance · Yorkville + Bridle Path
$8.2M assembly
Ridgeview Boardroom · 21 King West, Toronto
By appointment only. By referral, generally.
✦ The engagement
Four chapters,
start to closing.
Chapter 01
Discovery brief
A 30-minute video call with a partner. We assess fit, structure, jurisdictions, and timeline. No engagement letter signed yet.
Chapter 02
Underwriting brief
We draft the credit memo your file deserves — typically 6–10 pages — and walk it to the four lenders most aligned with the structure.
Chapter 03
Lender selection
Three written offers come back within 5 business days. We present them with side-by-side pricing, covenant, and prepayment-flexibility analysis.
Chapter 04
Closing & ongoing review
Closing coordinated by our office. Renewal calendar reset; we revisit the file 90 days before maturity, every cycle.
✦ Common questions
Asked at the
discovery call.
What is Ridgeview’s minimum file size?+
We typically engage on files at $1.2M and above. Smaller files we refer to two boutiques we trust; the introduction is free.
How are you compensated?+
Standard broker compensation paid by the lender (disclosed in writing before signing) plus, on certain engagements, a flat advisory fee for the credit-memo work. The fee is quoted up front and credited against the lender compensation when the file closes.
Can you work with non-resident borrowers?+
Yes. About a third of annual files involve non-resident or foreign-asset disclosure. We have lender relationships specifically established for these structures.
Do you take new clients without a referral?+
Occasionally. Most engagements come through introductions from accountants, family-office managers, and existing clients. Direct inquiries are reviewed on a case-by-case basis.
The first conversation
is thirty minutes.
By video, by appointment. We listen first; we present a fit assessment second; we extend an engagement letter only if it makes sense for both sides.
