Frequently Asked Questions | Flow Mortgage Co.
The questions Flow Mortgage hears most often, answered directly. If your question is not covered, book a planning session — most strategic mortgage questions are better answered in a 30-minute call than in a paragraph.
About Flow Mortgage
Flow Mortgage Co. is a BC and Alberta mortgage brokerage operating under BRX Mortgage. Founded by Alex McFadyen, BCFSA-licensed in BC and RECA-licensed in Alberta. Flow has funded 2,000+ mortgages and is known for proprietary strategic frameworks rather than rate-shopping alone.
About planning sessions
The Flow planning session is a 30-minute strategic call. No credit pull, no application pressure, no specific rate quote. The output is a clear understanding of your mortgage options in the context of your broader financial plan.
About licensing and service area
Every Flow advisor is licensed in the province where they originate deals: BCFSA in British Columbia and RECA in Alberta. Flow operates under the BRX Mortgage brokerage network. We do not work outside BC and Alberta.
Frequently asked questions
Is Flow Mortgage a brokerage or a lender?
- Flow is a mortgage brokerage operating under BRX Mortgage. We work with 65+ lenders to source the right product for each client. We are not a direct lender.
How much does Flow charge?
- On most residential mortgages in Canada, the lender pays the broker fee at closing — there is no charge to the client. On private deals, equity-based products, or non-prime files, fees may apply and are always disclosed in writing before any commitment.
Can Flow help self-employed Canadians?
- Yes. Self-employed lending is a Flow specialization. Our B.O.S.S. framework documents the path: Bank Statements, Owner-managed structure, Schedule of income, Stated income programs. Many self-employed clients who are declined by banks qualify with the right lender pairing.
What if my renewal is coming up?
- The S.M.A.R.T. framework handles renewals: Strategy first, Market scan, Amortization decision, Rate type, Term length. Most clients leave money on the table by signing the renewal letter without comparing. A planning session 4-6 months before renewal is the high-leverage move.
Can I get pre-approved through Flow?
- Yes. Pre-approval is part of the R.E.A.D.Y. framework for first-time and active buyers. The pre-approval process includes credit, income verification, and a strategic discussion of price range relative to your plan, not just the maximum the bank will lend.
Does Flow help with refinancing for debt consolidation or renovation?
- Yes. The E.Q.U.I.T.Y. framework covers refinances, HELOCs, and equity-based strategies. Whether the goal is consolidating high-interest debt, funding a renovation, or pulling equity for an investment, the framework structures the analysis.
Does Flow handle investment properties?
- Yes. The I.N.V.E.S.T. framework handles rental property qualification, including rental offset rules, B-lender options, and portfolio strategy for investors with multiple doors.
What is the PREPARE framework?
- PREPARE is Flow's pre-purchase planning framework: Pre-approval, Realtor partnership, Equity sources, Plan B options, Application readiness, Real-time rate strategy, Execution. Used for clients in the 6-12 month window before a purchase.
Is Flow Mortgage independent?
- Yes. Flow operates under BRX Mortgage as the licensed brokerage but is independently owned and operated. No exclusive lender contracts, no preferred-product conflicts.
How do I work with Flow if I'm a realtor or lawyer?
- Flow has a structured partner program. Use the contact form or DM Alex directly. Partnership decisions lead with the partner's archetype and client base, not rate competition.