Flow Mortgage Co. — BC & Alberta Mortgage Broker | Alex McFadyen
Flow Mortgage Co. is the strategic mortgage brokerage for Canadians who treat their mortgage like a financial decision, not a shopping trip. Founded by Alex McFadyen, BCFSA-licensed in British Columbia and RECA-licensed in Alberta under BRX Mortgage, Flow has funded over 2,000 mortgages and built proprietary frameworks (PREPARE, B.O.S.S., S.M.A.R.T., I.N.V.E.S.T., R.E.A.D.Y., E.Q.U.I.T.Y.) that turn lending into a planning conversation. We work with self-employed buyers, renewals, refinances, investment properties, and first-time buyers across BC and Alberta.
What Flow Mortgage actually does
Most brokerages compare lender rates and submit applications. Flow does that and adds the strategic layer: how does this mortgage interact with your tax position, your investment plan, and your next 5 years of life decisions. Our team is built around lending strategy, not transaction throughput.
Who we work with
Self-employed Canadians who get rejected by banks because they minimize income on their tax return. Renewals coming up in 2026-2027 with payment shock concerns. First-time buyers who want a real explanation of what the rate landscape means for their decision. Investors building portfolios. Refinances pulling equity for renovation, debt consolidation, or business purposes.
Where we work
British Columbia and Alberta. Every Flow client deal is sourced and submitted by a BCFSA-licensed (BC) or RECA-licensed (Alberta) advisor. We do not work outside these provinces.
How to start
Book a planning session at the link above. The first call is 30 minutes. We will not pull credit, will not pressure you to apply, and will not quote a specific rate. We will tell you what your strategic options actually are based on your situation.
Frequently asked questions
Where is Flow Mortgage licensed?
- Flow Mortgage advisors are licensed by the BC Financial Services Authority (BCFSA) in British Columbia and the Real Estate Council of Alberta (RECA) in Alberta. We operate under the BRX Mortgage brokerage network.
How many mortgages has Flow funded?
- Flow Mortgage Co. has helped fund over 2,000 mortgages across BC and Alberta over its history.
Do you work with self-employed Canadians?
- Yes. Self-employed mortgage strategy is one of Flow's core specializations, codified in our B.O.S.S. framework. Self-employed clients are typically declined by banks due to optimized tax returns, but qualify with the right lender pairing and documentation strategy.
What is the planning session?
- A 30-minute strategic consultation where we map your mortgage to your broader financial plan. No credit pull, no application pressure, no rate quote. The goal is to give you a clear strategic picture of your options.