Business Owner Mortgages in Edmonton, AB

From Windermere to St. Albert, get a mortgage strategy built for entrepreneurs—not employees.

Why Business Owners Need a Different Approach

Self-employed income doesn’t fit the bank’s mold—but it fits the market.

If you’re paid through dividends, retained earnings, or your corporation, you already know: the numbers are there, but banks often don’t know how to read them.

What’s Unique About the Edmonton Real Estate Market

Affordable, diverse, and growing—but not without complexity.

Affordability

Edmonton offers one of the most affordable major markets in Canada

Options

Detached homes, infill builds, and multi-unit rentals are common options for business owners

Evolving

Zoning changes, rising rents, and increased interest in secondary suites create new opportunities for real estate-savvy entrepreneurs

Challenges Business Owners Face

Strong finances—but still stuck? You’re not alone.

Lenders ignoring dividend or corporate income

Business accounts can’t be used for down payments—unless structured properly

Rental income used incorrectly (or not at all)

Property owned in a corporation? Many banks won’t touch it

Business owners don’t have time for back-and-forth, rejected applications, or uninformed advice. That’s why this process is designed to minimize paperwork, streamline communication, and get the deal structured right—upfront.

Strategic Mortgage Solutions That Work in Edmonton

The right structure gets you approved—and keeps your finances optimized.

Use corporate equity or dividends without overshooting tax

Strategically plan which entity (personal vs HoldCo) should own the property

Align your tax planning with your financing strategy

Access equity from other properties to fund new investments

Designed for Business Owners

A mortgage process that fits around your business—not the other way around.

  • Clear doc checklists built for entrepreneurs

  • Lender-ready files submitted only when strategy is sound

  • You stay focused on your business—while the mortgage moves forward

Why Work With MBrowne mortgages & Finance?

Edmonton financing strategy—backed by business insight.

Specialist in self-employed + corporate borrowers

Deep understanding of Alberta lender guidelines

Experience structuring loans with multiple entities, equity pulls, or retained earnings

Trusted by business owners, builders, and professionals across BC and Alberta

FAQ When Building a House or Secondary Suite

Accordion Content

You can – but if you’re planning to build in your operating corporation that might put you in a difficult legal position.

Builders or trades people could come after your business income or assets.

It could make financing more complicated or expensive.

You should plan the structure out with your accountant, a lawyer, and your mortgage consultant. I am always ready to chat with your accountant/lawyer or provide one if you need it!

Many lenders can also do land financing or a land draw which allows you to purchase the land.

In some cases you may have a more complex structure such a a joint venture partnership. Some lenders have custom mortgage programs that can allow for these.

This depends on the project (construction cost, if you own the land outright or have a mortgage on it already, if there’s a house on the property, and other factors).

Common rule of thumb is the best pricing lenders aim to see approximately 50% of the land value and construction cost in capital. Other lenders are more flexible if needed.

Yes – infact, many construction lenders will use make sense lending instead of rigid policies.

There are typically 3 routes builders take:

First, if you plan to sell, then lenders may want to see some of the units pre-sold. You would then complete the build and sell as planned.

Second, if you plan to living in the home after completion, many lenders will allow you to graduate into standard mortgage financing. If not, then you can refinance into a standard mortgage.

Third, if you plan to rent the property out after completion, you can often graduate into an investment property mortgage. Again, if you can’t then you can refinance into one.

This is a very important part of the planning process so should be thought about at the start.

Strategic Mortgage Planning for Edmonton Business Owners

Whether you’re buying, building, or refinancing—get financing that works with your structure and your schedule.