You built it.
We'll carry it forward.

We primarily value books based on verified annual trail income, applying a multiplier that reflects the quality and longevity of the book. Typical multipliers range from 2× to 3× annual trail, adjusted for factors including client retention history, loan book quality, geographic concentration, and the length of trail income history. We also consider the total loan book size as a secondary cross-check metric.

A staged buyout structures the purchase price into multiple payments (tranches) over an agreed period, typically 2–5 years. The advantage for sellers is that total proceeds are often higher than a lump-sum — because the buyer's risk is lower when payments are tied to client retention outcomes. For buyers, it aligns incentives: you're motivated to support a smooth transition because your final payments depend on it. Most of our brokers find this structure more personally satisfying too — there's no cliff-edge exit.

Client continuity is central to our model. We work with you to transition clients in a way that feels natural — often keeping you involved in an advisory or referral capacity during the transition period. Clients are introduced to their new broker, your branding and communication style is respected, and we never cold-contact or aggressively cross-sell during the transition window. Our reputation depends on their trust, just as yours did.

Not at all. We regularly work with brokers who are 1–3 years from their planned exit. Getting a valuation now helps you understand what your book is worth today, what you can do to maximise its value before you exit, and how to structure your affairs accordingly. We treat every enquiry as strictly confidential — your aggregator, clients, and colleagues will not be made aware.

In Canada, the proceeds from selling a mortgage broker's book of business are generally treated as a capital gain for income tax purposes, reported to the CRA. You may be eligible for the Lifetime Capital Gains Exemption (LCGE) if the business qualifies as a small business corporation — this can shelter a significant portion of the gain from tax. Alberta has no provincial capital gains tax on top of the federal rate, which is an advantage. We strongly recommend engaging a tax adviser with experience in professional practice sales before proceeding. We can connect you with advisers familiar with broker succession transactions in Alberta.

From initial enquiry to execution of a formal agreement is typically 4–8 weeks, depending on the complexity of the book and how quickly due diligence material can be provided. Settlement (first payment) follows execution, usually within 30–60 days. In total, most transactions reach first payment within 90 days of first contact. We move at a pace that suits you — there's no pressure to rush.

Yes, completely. We provide indicative valuations at no cost and with no obligation. We operate under strict confidentiality — we will not contact your aggregator, clients, or anyone in your professional network without your explicit permission. Many of the brokers we speak with are simply at an exploratory stage, and that's exactly the right time to call us.