CRA Debt
Owe CRA? Settle it with a mortgage — before the lien.
Refinance A-lender path open BEFORE a lien is registered. Private bridge in 7-14 days if CRA action is imminent. 100% confidential.
No lien yet → A-lenderLien registered → B/private7-14 day private bridge80% LTV refiHST + GST + taxCPA + lawyer coord
5-star rated| FSRA #13737| 5-min pre-qualification
TIME-SENSITIVE
CRA debt · clear before the lien
Settle CRA. Save your home.
Refi A-lender path open BEFORE a lien is registered.
Typical CRA collections window
21
days
14
hrs
22
min
80% LTV
Refi to clear (no lien)
7-14 days
Private bridge speed
A-lender
Path back in 12-24 mo
Discreet
100% confidential
Maya · AI · 24/7
I owe CRA — what are my fastest options?
5-star rated| FSRA #13737| 50+ langs
If you owe CRA more than $20,000 OR are receiving collection letters, time is short. Once CRA registers a lien against your property title, your refinance options shrink dramatically — most A-lenders won’t fund a file with an active CRA lien, and even B-lenders require lien-clearance before close. The window to use a clean A-lender refinance to pay out the debt closes fast. We’ve seen six-figure CRA balances cleared at A-lender rates because the client called us 30 days before CRA escalated.
What you get
Why Canadians choose Mortgage Squad Advisors.
Refinance to clear CRA debt at A-lender rates BEFORE a lien is registered
Private bridge funding when CRA enforcement is imminent (7-14 day close)
Up to 80% LTV on uninsured refinance specifically to clear tax debt
Specialty B-lenders that work with active CRA files at higher LTV
Negotiation support — we coordinate with your CRA collections agent
We work directly with your CPA and lawyer to schedule clean payout
Discreet — your tax situation is private and stays private
HST, GST, payroll, and corporate tax debt all handled with same approach
Plan to refinance back to A-lender pricing post-cleanup (typically 12-18 months)
All fees disclosed in writing upfront — no surprises at the lawyer
How it works
Three steps. No jargon. No pressure.
1
Confirm the debt
How much do you owe? Which tax years? Personal income tax, HST/GST, or corporate? Any liens registered yet? We pull a parcel register if needed to confirm title status. Takes 24 hours.
2
Choose the tool
Refinance to A-lender (cheapest path, only if no lien), refinance to B-lender (works with active CRA balance), private bridge mortgage (fastest, used if CRA collections is escalating), or HELOC top-up (if you have one with available capacity).
3
Pay CRA + recover
Funds disburse directly to CRA at closing. Clearance certificate issued within days. We plan the refinance back to A-pricing once your tax history stabilizes (usually 12-18 months of on-time CRA filings post-cleanup).
Will A-lenders fund a refinance to pay CRA?
Yes — IF no lien is registered yet. A-lenders will require a CRA Statement of Account confirming the balance, and the payout must flow directly from your lawyer’s trust to CRA at closing. Once a lien is registered on title, A-lenders generally decline. Speed matters: if you have collection letters, call us today.
What if a CRA lien is already registered on my property?
We move to B-lenders and private lenders. More expensive but doable. B-lender option at higher LTV (up to 75-80%) with rate premium of 75-150 bps. Private option in 7-14 days at higher rate. Goal: clear the lien with the new financing, then refinance back to A-lender pricing once your file stabilizes.
How does CRA respond when a mortgage payoff arrives?
CRA issues a clearance certificate within days of receiving the funds (usually 5-10 business days). We coordinate the payment direction with your lawyer and obtain written confirmation from CRA. The clearance certificate is what your new lender registers against title to confirm the debt is settled.
Can I negotiate the CRA debt amount?
Sometimes — accumulated interest and penalties can be partially abated under CRA Taxpayer Relief Provisions (form RC4288). Eligibility is case-by-case (financial hardship, CRA error, extraordinary circumstances). Your CPA or a tax lawyer can guide that conversation. We focus on the financing side and time the mortgage payout to maximize your overall recovery.
Will my mortgage rate be higher after CRA cleanup?
Short-term yes if you go B-lender or private (rate premium of 75 bps to several hundred bps). Long-term no — once 12-24 months of clean tax filings pass and your overall file stabilizes, we refinance back to A-lender pricing. Most clients save more on the long-term refinance than they paid in alt premium during recovery.
Can I do this if I’m self-employed?
Yes — and self-employed files actually dominate CRA-debt cases. Many BFS clients fall behind on quarterly installments, then face accumulated balances. We have specialty B-lenders that are comfortable with both BFS income and recent CRA history. Documentation: 2 years T1 + NOA, CRA statement of account, business banking, and corporate financials if incorporated.
What about HST/GST and payroll debt?
Same handling. CRA’s collections process is similar across personal income tax, HST/GST, payroll source deductions, and corporate income tax. Payroll arrears are taken most seriously by CRA (highest priority for enforcement) — call sooner rather than later if you have payroll deductions in arrears.
Will my employer or family find out?
Not from us. CRA wage garnishment is a separate, later-stage enforcement action that does involve your employer — but it’s only triggered after CRA exhausts other collection methods. Solving the debt with a mortgage payout BEFORE that stage is the goal. Our process is 100% confidential and discrete.
What’s the timeline from call to CRA paid?
A-lender refinance to clear CRA: 21-35 days end-to-end. B-lender: 21-35 days. Private bridge: 7-14 days. CRA clearance certificate: 5-10 business days after funds arrive. Total worst-case from call to clearance: about 6 weeks. Fastest case: 2 weeks via private if equity supports it.
Can I include CRA debt in a refinance I’m doing for other reasons?
Absolutely — combining CRA payout with a rate-reduction or debt-consolidation refinance is one of the smartest moves a self-employed Canadian can make. We model the full picture and run net-of-penalty math so you see exactly what each scenario saves. Most files end up consolidating CRA + credit cards + line of credit into a single mortgage at a single rate.