Building Stronger Broker–Lender Partnerships: Key Insights from Shinhan Bank
When it comes to mortgages, brokers are always looking for lenders who are not only competitive, but also communicative and easy to work with. In a recent discussion between Joshua Lee of Shinhan Bank and Paul Davidescu of Level Up Mortgages, the focus was on exactly that: how to strengthen broker–lender relationships and better understand what makes certain lenders unique in today’s crowded marketplace.
The Broker’s Perspective
Paul highlighted a common challenge many brokers face: while they may know of certain lenders, they don’t always understand what sets them apart. With so many options available — from A to B and everything in between — it can be difficult to know when and how to bring a lesser-used lender into a client conversation. That’s why communication and education are critical.
What Shinhan Bank Brings to the Table
Joshua explained that Shinhan Bank is particularly active in the B-lending space, helping borrowers who might not qualify under traditional A-lender rules. This includes scenarios such as:
Non-resident borrowers looking to invest in Canadian real estate.
Stated income programs that provide flexibility for self-employed clients.
Ratio exceptions, where higher debt service ratios may still be considered based on overall client strength.
By offering these solutions, Shinhan gives brokers tools to help clients who may not fit neatly into the box of mainstream lenders.
Why Communication Matters
For Paul, the biggest differentiator isn’t just the product — it’s the ease of working together. Brokers value lenders who can communicate clearly, set expectations, and respond quickly. This allows brokers to position solutions confidently in front of their clients, knowing they have a reliable partner on the lending side.
Exploring New Opportunities with AI and Training
The conversation also touched on the growing role of AI and sales training in broker–lender interactions. Paul suggested that tools like AI could help lenders streamline their outreach, deliver better presentations, and ultimately connect with more brokers. With grants available for training, these opportunities could give lenders like Shinhan an edge in building stronger industry relationships.
Takeaway for Brokers
For brokers, the lesson is clear: don’t overlook lenders you haven’t worked with before. By asking the right questions and understanding each lender’s unique offerings, you can expand your toolkit and deliver more value to your clients. For lenders, the reminder is equally important: communication and flexibility go a long way in building lasting broker partnerships.
BOTTOM LINE
Shinhan positions itself as a flexible B-lender, particularly valuable for non-resident clients, self-employed borrowers using stated income, and files that need ratio exceptions on a case-by-case basis. For brokers, the real advantage lies not just in product but in communication—working with a responsive lender makes it easier to present creative solutions that go beyond what clients see at their banks. By leveraging partners like Shinhan and embracing tools such as AI and training to streamline outreach, brokers can strengthen their advisory role, deliver more tailored options, and ultimately build deeper client trust.
Level Up Mortgages is a mortgage broker team focused on helping the self employed, new immigrants, non-residents, and investors, access best rate and alternative lending in Canada. We have been nominated for best up and coming broker in Canada in 2021 and have been on CTV News and various publications because of our education-first approach to helping you always stay a step ahead of the process. Reach out to us for access to our first-time buyer course or a mortgage strategy session.
See What You Qualify For Or Contact Paul To Get Your Pre-Approval.
Paul Davidescu (www.levelupmortgages.com)
Level Up Mortgages
604-809-3188
paul(at)levelupmortgages.com
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