Structured for Approval
A disciplined advisory practice for complex mortgage files. Self-employed borrowers, investor portfolios, restructures, and decline recoveries — underwritten with institutional rigor before submission.
A mortgage isn’t a transaction. It’s an architecture.
Every file is structured the way an institutional credit committee would expect to receive it — before it reaches a lender’s desk. That discipline is the difference between a file that gets approved and a file that gets shopped.
i. Discipline
Underwritten before submitted.
Every file is positioned to a credit standard, not assembled to ask. The decision happens internally first — we only submit what’s already structured to approve.
ii. Discretion
Honest at the first conversation
Clients hear what’s possible, what’s challenging, and what each path actually requires. No surprises at conditional. No surprises at closing.
iii. Continuity
Build to compound across renewals
A first transaction is the foundation for a long-term mortgage strategy — renewals, refinances, investment financing, and portfolio architecture.
CAPABILITIES ———————————————— WHAT WE UNDERWRITE
A complete advisary practice for complex files.
Self Employed & Business Owners
T1 + corporate restructuring strategies for incorporated professionals, contractors, and small business owners with non-traditional income presentation.
01
Investor and portfolio financing
Rental property acquisitions, portfolio refinances, fair-market-rent strategies, and DSCR-based programs for clients building real estate portfolios.n.
02
Decline Recovery & File Restructure
Files declined by major banks — re-underwritten through alternative or private capital partners. Most decline recoveries close inside two weeks.
03
Refinance & Equity strategy
Cash-out refinances, debt consolidation, HELOC restructures, and equity deployment built around long-term cash flow rather than one-time approval
04
CASE FILES ———————————————— SELECTED OUTCOME
From the field
Three representative files demonstrating how structured underwriting and direct lender access produce clean approvals where conventional channels closed.
CASE NO.1
the save - Self employed decline recovery
An incorporated consultant with two years of strong business income — declined by a Big Five lender on a conditional offer due to non-standard T1 presentation. The closing date sat eight days away. The selling agent had already begun preparing for collapse.
The file transferred Thursday afternoon. By Tuesday it was structured around a business-for-self program at an alternative lender, with corporate financials reconciled to support the stated income and equity position confirmed by direct appraisal. Funded Wednesday — one business day before closing.
OUTCOME
funded inside 7 business days of file transfer
LOAN SIZE
$840K
LTV
75%
CASE NO.2
the Expansion - investor . portfolio financing
An investor holding four rental properties needed to refinance the portfolio to fund a fifth acquisition. Conventional debt-service ratios put the file outside A-lender qualification — even with strong cash flow on paper.
The strategy: a portfolio lender with DSCR-based qualification and fair-market-rent recognition on all five properties. The fifth property was acquired three weeks later with capital released through the portfolio refinance.
OUTCOME
Five-property portfolio refinanced and fifth acquisition closed within 30 days.
POTRFOLIO VALUE
$3.4M
CAPITAL RELEASED
$420K
CASE NO.3
the Restructure - refinance . debt consolidation
homeowner carrying high-interest unsecured debt across multiple cards and personal lines — burning monthly cash flow servicing minimums while equity sat untouched in the home.
The restructure: a cash-out refinance consolidating five unsecured balances into a single mortgage payment, with monthly cash flow improved meaningfully and equity preserved for a future investment property acquisition.
OUTCOME
Monthly debt service reduced substantially. Future capacity preserved.
DEBT CONSOLIDATED
$78K
MONTHLY SAVINGS
$1,450
Pranay sehgal,
principal advisor.
SMC is an independent mortgage advisory practice operating under TCG Lending Centres Inc. Files are personally underwritten and managed by Pranay — not handed to processors, not shopped to brokers..
The discipline isn’t volume. It’s the willingness to say no to a file that won’t approve cleanly — and to invest the structural work into the ones that will.
The practice serves homeowners, self-employed professionals, and investors across the Greater Toronto Area and broader Ontario. The advisory relationship continues across renewals, refinances, and portfolio expansion — most clients return for a second transaction within three years.
LICENSED
FSRA Ontario
PRACTICE BASED
Mississauga
LENDED NETWORK
40+ Partners
begin a conversation
Share the basics of the file. A response — including initial lender direction, document requirements, and realistic timing — within one business day.
For active offer files with tight closing windows, call the direct line below for same-day assessment.
DIRECT LINE · PRANAY SEHGAL
(647)562-4044
Mon–Fri 9am–7pm · Sat 10am–4pm
Active files: anytime