1
Discovery Call
We'll discuss your goals and needs, and I'll provide a custom quote.
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.
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.
Book a Strategy Call
No cookie-cutter loans. No wasted time. Just a clear conversation about goals, numbers, and next steps.
The Process
A Process Specifically Designed for Busy Business Owners
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Pre-Qualification
We'll review your financial situation and determine if you're pre-qualified for a mortgage.
3
Lender Approval
We'll work with the lender to get your mortgage approved.
4
Funding
We'll coordinate the funding of your mortgage.
1
Discovery Call
We'll discuss your goals and needs, and I'll provide a custom quote.
2
Pre-Qualification
We'll review your financial situation and determine if you're pre-qualified for a mortgage.
3
Lender Approval
We'll work with the lender to get your mortgage approved.
4
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
Self-Employed Mortgage in Vancouver with HELOC Flexibility
- Business income used
- KPI 1
- HELOC access secured
- KPI 2
- On-time smooth funding
- KPI 3
self-employed mortgageVancouver mortgagebusiness owner mortgageHELOCCanadian mortgage case study
Equity Take-Out for a New Real Estate Investor in BC
- Readvanceable structure secured
- KPI 1
- $100k investment capital
- KPI 2
- HELOC limit optimized
- KPI 3
self-employed mortgageequity take outreadvanceable mortgageHELOCreal estate investorBritish Columbia
Common questions business owners have
Can I get a mortgage if I’m self‑employed?+
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.
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.
Still have a question?
Send a quick note and we’ll reply within one business day.
Book a Strategy Call
No More Bank Bureaucracy and Rejection.
Get pre-qualified and on the path to your next home or investment property.