Mortgage over $1M?
Service that matches.
When you're financing $1M or more, the file is more complex — and your time is more valuable. Our High-Value Concierge package puts a senior advisor on your file, covers your independent legal review fee, and handles the heavy lifting so you don't have to.
The full concierge package.
Eight things that happen automatically when your file crosses $1M.
We cover your independent legal review fee up to $750. Required for mortgages over $1M under most lender policies — we pay it, not you.
Your file is assigned to one of our most experienced advisors — minimum 10 years in mortgage brokerage, with documented placement of $50M+ in funded volume.
We coordinate directly with your lawyer, accountant, and (if applicable) wealth manager. No "please send us X" emails to you mid-day.
Your file goes to the top of the queue at our top lenders. Most commitments back within 48 hours, sometimes same-day.
For return clients with multiple properties, a senior advisor reviews your full portfolio quarterly — looking for refinance opportunities, equity restructure, or rate-shop windows.
If anything escalates, you have direct line access to our Principal Broker. Bypass the queue. Most clients never need it — you have the option.
High-value files often involve sensitive personal or business detail. Our compliance program treats every $1M+ file with extra discretion — fewer team members touch it, all communication encrypted.
Most $1M+ borrowers have dividend, retained earnings, foreign income, or business-for-self income. We add back legitimately and structure for the right lender — not just "line 150 of your T1."
High-value clients have access to evening and weekend availability for time-sensitive moments — offer review, rate lock decisions, closing-week issues.
A $1M mortgage isn't 2× the work of a $500K mortgage. It's 10×.
High-value files cross more thresholds. Above $1M most lenders require independent legal review. Most won't insure the mortgage. Income verification gets stricter. Appraisal requirements get heavier. Documentation requirements multiply. Closing-week issues are higher-stakes. The advisor who handled your friend's $400K starter home isn't equipped for it.
That's why we built this package. Same brokerage that closes $400K files for first-time buyers — but with a different team, different process, and different level of attention for files that demand it.
Plain-language terms.
No catches, no \"only on certain products,\" no \"limited time.\" The concierge package is permanent and applies automatically.
- Your funded mortgage amount is $1,000,000 or more
- Includes purchase, refinance, renewal, switch, and equity take-out
- Both insured (rare at this size) and uninsured files qualify
- Both single-family and multi-unit residential qualify
- Commercial mortgages over $1M get the same concierge plus our commercial desk
- Available on both Ontario files and out-of-province files (via partner network)
- Automatic — no application form, no qualifying questions
- Triggered when your funded mortgage amount crosses $1M (we check at commitment)
- Legal fee reimbursed by Mortgage Squad Advisors within 14 days of funding (paid as e-transfer or applied to your final adjustment statement at closing)
- Senior advisor is assigned at intake — not after the file gets complicated
- Stacks with Renewal Loyalty + Rate Beat + Referral programs
- No expiry — the treatment continues at every renewal forever
We see you. We've been here before.
Trading up from a starter to a forever home. $1.5M+ purchase, $300K+ down from your previous sale, dual-income qualification.
GTA, GVA, Calgary's luxury price tier. Heritage properties, custom builds, lakefront homes. Detailed appraisal requirements managed end-to-end.
Self-employed and incorporated business owners with complex income. We add back legitimately and route to lenders that read the whole story.
Building or restructuring a rental portfolio. Multi-property files, refinance for next down payment, BRRRR-style strategies modelled.
High-income or high-asset newcomers to Canada. International credit accepted, foreign-income lenders matched, NRST rebate handled where applicable.
Restructuring debt before retirement, considering a reverse mortgage, planning intergenerational property transfer. We coordinate with your accountant and lawyer.
Common questions
What exactly counts as a high-value mortgage?
Is there an additional fee for the concierge service?
Who is my senior advisor?
Does this work for a $2M+ mortgage?
What if my mortgage is just under $1M — say $950K?
How is this different from the Renewal Loyalty rate?
Can the legal-review fee be paid directly to my lawyer?
Is this confidential?
“I had a $1.8M refinance with three rental properties under a holdco and dividend income from two businesses. My bank kept asking for the same documents twice and missed our closing window once. Mortgage Squad Advisors assigned a senior advisor who got the whole structure on the first call, placed it at a credit union we'd never heard of, saved us 45 basis points, and closed it in 28 days. The legal-fee credit was a nice surprise on top.”