Get a mortgage plan that aligns with your income, equity, and business cash flow.
When you’re self-employed or incorporated, lenders often can’t give a straight answer. You need a custom plan, not a generic pre-approval.
Do I need to sell my current home first?
Can I port my mortgage—or should I refinance?
Can I use equity for the down payment?
Will my business income qualify?
What if I want to keep both homes temporarily?
How much down payment should I put in?
Income doesn’t fit the lender box
Retained earnings or dividends aren’t counted properly
Equity is there—but not structured right
No clear exit plan between buying and selling
Business cash flow makes timing sensitive
Tap into personal or corporate equity, qualify based on real income, and build a long-term portfolio plan.
Assess current property, mortgage, and equity position
Clarify business income + down payment sources
Identify financing options (sell first, bridge, port, refinance)
Match strategy to tax, cash flow, and timing needs
Secure financing and execute the move confidently
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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.
Move with confidence—knowing your income, equity, and timeline all align.
