High Net Worth Mortgage Tailored Solutions for Asset-Rich Clients
If you have considerable liquid assets and want your overall financial profile, not just your income will be taken into account.
A High Net Worth Mortgage could be the right choice for you.
This specialized mortgage option is designed for clients with strong asset portfolios who may have non-traditional or fluctuating income sources. It allows lenders to assess your verified liquid net worth alongside your income and credit history, providing larger loan amounts and more flexibility than standard programs.
What You Can Use It For
High Net Worth Mortgage programs are available for
Home purchases
Mortgage refinancing
Transfers or debt consolidations
How It Works
In addition to the minimum threshold, lenders apply an “asset-to-mortgage equivalency rule” — meaning, for every additional dollar of mortgage amount needed beyond standard qualification, you must show an equivalent amount in verified liquid assets.
Example:
If you qualify for a $400,000 mortgage based on income but wish to borrow $900,000, you’ll need to verify an extra $500,000 in liquid assets (in addition to your down payment).
All qualifying assets must be unencumbered, personally held, and verified for at least 90 days.
Why Work With a Mortgage Broker
Each lender interprets “high net worth” differently and has its own policies for qualifying assets. That’s where an experienced mortgage broker adds real value.
Through Dominion Lending Centres, we have access to Canada’s top banks, boutique private lenders, and specialized high net worth programs.
More than half of Canadian mortgages are now arranged through brokers — because clients value expert guidance, customized options, and stronger results.
We work for you — not the bank.
First time buyer or refinancing? Call for a free quote!
First time buyer or refinancing? Call for a free quote!
First time buyer or refinancing? Call for a free quote!
