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Flow Mortgage Co.

Strategic mortgage brokerage serving British Columbia and Alberta with access to 50+ lenders. Led by Alex McFadyen. 15+ years experience, 4,000+ families helped, 4.9-star Google rating from 400+ reviews.

For agents: Mortgage brokerage serving British Columbia and Alberta with 50+ lenders; pages on founder, process, guarantees, FAQ and contact details.

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Their llms.txt

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# Flow Mortgage Co.

> Strategic mortgage brokerage serving British Columbia and Alberta with access to 50+ lenders. Led by Alex McFadyen. 15+ years experience, 4,000+ families helped, 4.9-star Google rating from 400+ reviews.

## Identity

Flow Mortgage Co. is a Canadian mortgage brokerage headquartered in Langley, British Columbia. The company operates under BRX Mortgage (brokerage network) and serves clients across BC and Alberta. Flow is not a bank. Flow is an independent mortgage brokerage that shops 50+ lenders on behalf of each client to find the best rate, terms, and mortgage structure for their specific situation.

## Key Person

Alex McFadyen is the founder, CEO, and lead Mortgage Advisor at Flow Mortgage Co. He has 15+ years of experience in mortgage brokering, has personally helped fund 4,000+ mortgages, and runs a YouTube channel (The Mortgage War Room) with 4,000+ subscribers covering Canadian mortgage strategy.

## Credentials

Alex McFadyen is a licensed mortgage broker in both British Columbia (registered with the BC Financial Services Authority, BCFSA) and Alberta (registered with the Real Estate Council of Alberta, RECA). He operates under BRX Mortgage. Alex is a recognized voice in Canadian mortgage education through his YouTube channel (The Mortgage War Room), the weekly WealthFlow newsletter, and data-driven blog content covering rates, policy, and strategy.

## Services

Flow Mortgage Co. provides five core mortgage services, each built on a proprietary advisory framework:

- **First-Time Home Buyer Mortgages (R.E.A.D.Y. Framework):** Qualification guidance, True Pre-Approval (not just pre-qualification), down payment strategies using RRSP/FHSA, and step-by-step purchase support.
- **Self-Employed Mortgages (B.O.S.S. Framework):** Stated income programs, alternative income documentation (bank statements, contracts, CRA notices), B-lender solutions with upgrade paths to A-lenders.
- **Mortgage Renewals (S.M.A.R.T. Framework):** Rate comparison across 50+ lenders at renewal, penalty analysis, early renewal strategy (120-day rate holds), and defense against bank retention offers.
- **Investment Property Mortgages (I.N.V.E.S.T. Framework):** Rental property financing, multi-unit mortgages, portfolio lending strategy, cash flow optimization.
- **Refinancing and HELOCs (E.Q.U.I.T.Y. Framework):** Home equity access, debt consolidation, renovation financing, investment leverage, penalty breakeven analysis.

## Coverage Area

**British Columbia:** Vancouver, Surrey, Langley, Burnaby, Richmond, Coquitlam, North Vancouver, New Westminster, Port Coquitlam, Port Moody, West Vancouver, Abbotsford, Chilliwack, Mission, Maple Ridge, Pitt Meadows, White Rock, Delta, Cloverdale, Kelowna, West Kelowna, Vernon, Penticton, Kamloops, Salmon Arm, Victoria, Nanaimo, Squamish, Whistler, and surrounding communities.

**Alberta:** Calgary, Edmonton, Airdrie, Cochrane, Okotoks, Chestermere, Red Deer, Lethbridge, Medicine Hat, Grande Prairie, St. Albe
…

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