What documents do I need to provide?

Typically tax returns, Notices of Assessment, financial statements, and business bank statements. We’ll build a tailored checklist based on your situation.

How will my business income be assessed?

Lenders may look at dividends, salary, retained earnings, or a blend of business cash flow. Part of our work is packaging your numbers in a way that makes sense to underwriters.

Can I use business funds for my down payment?

Sometimes, yes—but it depends on how funds are moved and documented. We’ll coordinate the plan with your accountant so it aligns with your tax strategy.

What’s the difference between a personal and commercial mortgage?

Commercial mortgages are often used for mixed-use or pure commercial properties and come with different underwriting, pricing, and covenants. We’ll walk through which lane fits your plans.

How much can I borrow and still keep my tax strategy intact?

Rather than maxing out everything, we start with your goals and tax plan, then work backwards to a range that keeps you comfortable and on track.

Mortgages for business owners

Get a Mortgage That Works for You and Your Business.

I help business owners in BC and Alberta who need someone to actually understand their business, report low personal or business income on their taxes, are busy running the business, and want a mortgage that reduces tax and interest costs.

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Two people reviewing mortgage options together at a kitchen table

Mortgages for your exact situation

Buy your first home

You're self‑employed or incorporated and want to buy your first home without blowing up your tax plan. We work backwards from your business structure to show what's possible and what needs to change.

Buy your next home

Already own but unsure how to finance the next place? We help you decide whether to sell, port, refinance, or keep both properties—aligned with your cash flow and equity.

Buy an Investment Property

For rental and portfolio strategies, we look at cash flow, structure (personal vs corp), and lender policies so your financing keeps up with your goals.

Access equity or refinance

Use existing equity to grow your business, invest, or consolidate debt— while keeping tax efficiency and long‑term strategy front of mind.

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No cookie-cutter loans. No wasted time. Just a clear conversation about goals, numbers, and next steps.

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The Process

A Process Specifically Designed for Busy Business Owners

Discovery Call

We'll discuss your goals and needs, and I'll provide a custom quote.

Pre-Qualification

We'll review your financial situation and determine if you're pre-qualified for a mortgage.

Lender Approval

We'll work with the lender to get your mortgage approved.

Funding

We'll coordinate the funding of your mortgage.

Discovery Call

We'll discuss your goals and needs, and I'll provide a custom quote.

Pre-Qualification

We'll review your financial situation and determine if you're pre-qualified for a mortgage.

Lender Approval

We'll work with the lender to get your mortgage approved.

Funding

We'll coordinate the funding of your mortgage.

About me

I'm Mike Browne, a mortgage consultant and strategist. My background is in financing business owners, with a specialty in residential and commercial mortgages. I've worked with small and medium business owners, freelancers, entrepreneurs, real estate investors, and first‑time buyers who need someone to actually dig into the numbers and structure.

Testimonials

“Michael has been an invaluable resource for me and my family, helping with all our mortgage needs and questions. His expertise and knowledge are unmatched, and he always provides clear, thoughtful advice. Michael is incredibly smart and dedicated, making the entire mortgage process smooth and stress-free. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable and reliable mortgage broker!”

C.G.

Real Estate Developer

Testimonials

“Michael has been an invaluable resource for me and my family, helping with all our mortgage needs and questions. His expertise and knowledge are unmatched, and he always provides clear, thoughtful advice. Michael is incredibly smart and dedicated, making the entire mortgage process smooth and stress-free. I wouldn’t hesitate to recommend him to anyone looking for a knowledgeable and reliable mortgage broker!”

C.G.

Real Estate Developer

“Mike provided helpful advice regarding an investment property mortgage. He deeply understands the entire marketplace and clearly explains the nuances between various lenders and their product offerings. This extensive knowledge was valuable in advising on the best mortgage to suit my needs. I highly recommend him and look forward to working together again.”

S.S.

Self Employed Physical Therapist

Past client case studies

See how business owners financed their business and life goals with our BFS Lending Process

More case studies↗

Self-Employed Founder Bought a $2.3M Home Without Touching Corporate Capital

$2.3M home at 48.6% LTV
$900,000 mortgage + $230,000 HELOC
$1M+ corporate capital preserved

mortgageself employedfinancial planning

Real Estate Investors Switch Lenders and Strategy to Successfully Qualify

$555,000 final purchase price
$444,000 mortgage at 1.90%
$4,550/month rental income

mortgagereal estate investing

Common questions business owners have

Yes, but lenders look at income differently. We map out how your business pays you, how your taxes are structured, and which lenders are comfortable with that picture.

Still have a question?

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Book a Strategy Call

No More Bank Bureaucracy and Rejection.

Get pre-qualified and on the path to your next home or investment property.

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