Instagram story viewer> @mbrownemortgage> Posts

Mike Browne | Mortgages for Business Owners

@mbrownemortgage

818

followers

935

following

Business Owner Mortgages made easy.
📱 672 699 6459
Mortgages Powered by Origin Home Financing, DLC

POSTS STORIES REELS TAGGED

Ever wonder what it’s like to have someone help you find a mortgage that fits your financial plan while making sure you understand every step? Let me break it down:

1️⃣ Discovery Call: We’ll chat about your finances, goals, and what you want to achieve—buying property, getting a better rate, accessing equity, or planning debt financing.
2️⃣ Pre-Qualification: I’ll guide you through strategies and teach you everything you need to know to feel confident in the process.
3️⃣ Lender Research: I’ll find and present options that match your goals and help you pick the best fit for your financial plan.
4️⃣ Property Shopping (if applicable): Ready to shop? I’ll send you a pre-approval or pre-qualification letter to boost your negotiating power and confidence.
5️⃣ Financing Approval: We’ll finalize the best lender, rate, and terms while navigating key factors like penalties, flexibility, and more.
6️⃣ Signing & Funding: When your mortgage is approved, I’ll go through the contract with you (so you understand every detail) and handle the final steps with your lawyer.

Ready to take the stress out of your mortgage? DM me or comment “MTG” for more info! 📩 by @mbrownemortgage

20

1

2 years ago

6 easy steps to buying a home! 🏠🔑

1. **Get a mortgage pre-approval** - This is the most important step because you’ll learn your budget, rate, and any surprises that could come up.
2. **Talk to a realtor and start looking for a property**
3. **Put in an offer once you find a home you love**
4. **Submit for the full mortgage approval**
5. **Get a home inspection and home appraisal** - The home inspection is very important because it can find any problems with the home.
6. **Sign the paperwork and get your keys to your new home**

If you’re looking to get a pre-approval or have any questions at all, shoot me a DM:
@mbrownemortgage
@mbrownemortgage

P.S. Follow me for more mortgage and real estate tips to help you save money and qualify for more

#HomeBuying #MortgageTips #FirstTimeHomeBuyer taken in Edmonton, Alberta by @mbrownemortgage

35

3

2 years ago

If you’re getting a new home you’ll need to decide what mortgage is going to be the best for you.

There’s 4 questions that I think are crucial in making this decision:
1. Are you looking for the lowest rate or the lowest cost?
2. Are you needing the lowest payment possible?
3. Do you need flexibility in case a life event comes up?
4. Are you wanting a mortgage to help you invest or make money?

If you’d like to chat or get clarity on your situation, shoot me a DM. taken in Canada by @mbrownemortgage

28

2

2 years ago

Thinking about buying a property inside your corporation? It might seem like the most efficient move—but it’s not always that simple.

A lot of business owners assume they can avoid pulling money out personally, save on taxes, and still qualify easily for a mortgage. But when you actually talk to lenders, the answer can be very different.

The real issue comes down to risk. Operating corporations come with legal and tax exposure, and that changes how lenders look at the deal—even if your income and cash position are strong.

So while it’s possible to buy property inside a corporation, the structure matters more than most people realize.

If you’re a business owner thinking about this, make sure you understand how lenders actually evaluate these deals. Check out my page for more videos like this. taken in Vancouver, British Columbia by @mbrownemortgage

6

2

7 months ago

You’ve got cash sitting in your corporation… so you can just use it as a down payment, right?

Not so fast.

A lot of business owners don’t realize this, but your corporation is a separate legal entity. That money isn’t technically yours until you take it out properly.

And lenders care a lot about where your down payment comes from. They’re looking at the full paper trail—how the money moved, how it was withdrawn, and whether everything lines up from both a lending and tax perspective.

So before you even think about buying, you need a plan. Not just a mortgage plan—a lending and tax strategy that works together.

Because there are a few different ways to pull money out of a corporation. Salary, dividends, shareholder loans. Each one has a different impact on your taxes and your application.

Done right, you can absolutely use corporate funds for a down payment.

Done wrong, you can create problems for both your approval and your tax situation.

If you’re a business owner thinking about buying, make sure you understand how to structure this properly. Check out my page for more videos like this. taken in Vancouver, British Columbia by @mbrownemortgage

6

0

7 months ago

You incorporated your business… so you can’t get a mortgage anymore… right?

Not exactly.

This is one of the most common situations I see—someone runs a business as a sole proprietor, incorporates, and then gets told they need two years of corporate financials to qualify.

That sounds like a hard rule, but in reality, it’s more of a guideline. Lenders are really just trying to understand one thing: is your income stable?

If we can answer that properly, there’s often a path forward.

Instead of just looking at the short corporate history, we can show the full story—your business history, your ability to generate income, and how that income continues going forward.

When it’s packaged the right way, lenders can look at the bigger picture instead of just checking a box.

If you recently incorporated and are wondering how it impacts your mortgage options, check out my page for more videos like this. taken in Vancouver, British Columbia by @mbrownemortgage

11

0

7 months ago

Cocktails. Conversations. Connections. Our Industry Cocktail Night was a success—good drinks, great people, and even better energy. 🍸🎶

Appreciate @thomasharrington.ca and @mbrownmortgages for co-hosting with style, and @ecoescapes for letting us take over your beautiful space.
If you’re part of Edmonton’s real estate or design scene, DM us to get on the next invite list. 👋

#blackrealtysheep #yegrealestate #yegmortgages #yegre #edmontonre taken in Edmonton, Alberta by @mbrownemortgage

45

9

a year ago

Why your bank doesn’t give you the best mortgage renewal options up front (and what to do to get the best rate from them) taken in Vancouver, British Columbia by @mbrownemortgage

17

0

a year ago

Big change for real estate investors
OSFI (Canada’s bank regulator) has updated the capital rules for mortgages starting 2026.

🏦 What’s new?
• Banks can no longer “double count” your salary or rental income across multiple properties when it comes to their cash reserve calculations
• That means your personal income gets used up on your first mortgage and is reduced for the next ones when calculating this number
• More rental mortgages will now be tagged as “income-producing” → which forces banks to hold more capital.

Why it matters:
• These loans cost banks more to carry.
• Expect tighter lending policies and possibly higher rates on investment properties.
• The more doors you own, the more likely new mortgages will fall into the higher-cost bucket. taken in Vancouver, British Columbia by @mbrownemortgage

23

3

a year ago

So where are rates heading? What rate should you take?

I’ve changed my approach to rate recommendation over the years. I’ve always taken financial planning into consideration but the shift away from rate speculation toward planning continues to grow. taken in Vancouver, British Columbia by @mbrownemortgage

10

0

a year ago

Sooo you can now buy a home up to 1.5mil with an insured mortgaged.

That means you only need 5% of the first $500,000 and 10% of the remainder!

But don’t forget, you need to have the income to qualify too.

For a mortgage this size, you’ll need about $285,000 in house hold income by @mbrownemortgage

14

0

2 years ago

Reduce your taxes legally with this mortgage and investment strategy!

P.S. if you’d like to learn exactly how this strategy would work for you, DM me and I can run numbers for you (no obligation to work with me) by @mbrownemortgage

27

4

2 years ago