✅ Want a mortgage that reduces tax and interest costs
✅ Need someone to actually understand their business
✅ Report low personal or business income on their taxes
✅ Are Busy in their business and need an efficient professional
✅ Want a mortgage that reduces tax and interest costs
✅ Need someone to actually understand their business
✅ Report low personal or business income on their taxes
✅ Are Busy in their business and need an efficient professional
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.
Affordable, diverse, and growing—but not without complexity.
Edmonton offers one of the most affordable major markets in Canada
Detached homes, infill builds, and multi-unit rentals are common options for business owners
Zoning changes, rising rents, and increased interest in secondary suites create new opportunities for real estate-savvy entrepreneurs
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
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
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
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.
Whether you’re buying, building, or refinancing—get financing that works with your structure and your schedule.
