So, you found a perfect property to flip and you want to put in an offer to purchase…

Unfortunately, all traditional financial institutions have guidelines that restrict the ability to flip properties.

Calvert Home Mortgage can solve this roadblock!

We specialize in working with real estate investors, house flippers, and BRRR (Buy, Renovate, Rent, Refinance) enthusiasts. We lend to investors who buy, fix, and immediately resell properties for a profit.

Our team of experienced Underwriters will consult with you to create a plan to ensure you’re profitable on your next flip. We’ve been providing an effortless mortgage lending experience since 1975.

Apply for a house flipping loan now & have a response by tomorrow.

How Can Calvert Home Mortgage Help Me Flip A House?

Calvert Home Mortgage | House Flipping

We provide the education you need to make intelligent investments.

Calvert Home Mortgage views lending as a partnership. That’s why we are continually developing helpful tools and providing you with resources to support you in this competitive house flipping market.

Our in-house experts help you plan your flip and get you the capital you need.

We work with house flippers to maximize leverage options and create a plan to get the capital required to cash flow flip properties. Together we can quickly calculate the renovation budget and purchase, financing, operating, and selling costs. When you understand the numbers, you can find and close better deals.

There Are Many Important Factors to a Successful Flip:

Buy Right

Renovate for the Market

Stick to a Budget

Quick Renovation

Understand Reno Costs

Know Your Numbers

House flipping should be a profitable venture.
Let the Calvert Home Mortgage team be your partner in profitability!

Flip/BRRR Mortgages for Canadian Real Estate Investors

Here’s a snapshot:

Low Down Payment Options ($10K) in Alberta & Ontario

Unlock more real estate opportunities with smart leverage. With Calvert Home Mortgage, down payments start as low as $10K in both Alberta and Ontario—helping you keep more capital in your pocket so you can take on more projects and scale faster.

The less capital you tie up per deal, the more opportunities you can pursue. Build equity, grow your portfolio, and move confidently on investments—without over-committing funds on day one.

Pre-Approvals Built for Real Estate Investors

Get pre-approved before you even have a property under contract, so you’re ready to act fast when the right opportunity appears. Our pre-approvals are valid for up to one year, giving you the confidence and flexibility to move quickly when the right deal comes along.

Stay prepared, stay competitive, and execute with certainty—no delays, no missed opportunities.

Fast Funding & In-House Expertise

Move quickly and reduce costs with Calvert Home Mortgage’s in-house services and streamlined process. Our Real Estate Analysts provide free in-house valuations typically completed within 1 business day, helping you secure funding faster and with confidence.

We can provide fast mortgage funding, in as little as 1-3 business days upon receiving all required documents, giving you the certainty and speed needed to capitalize on time-sensitive opportunities.

In Alberta, you can also benefit from a single-lawyer closing, allowing one lawyer to act for both you and Calvert Home Mortgage—reducing legal fees and simplifying the transaction from start to finish.

Flexible, Fully Open Mortgages

Traditional lenders often charge payout penalties and rigid prepayment restrictions. With Calvert Home Mortgage, our mortgages are fully open—meaning you can repay anytime with no prepayment, payout, or renewal fees. Move at your pace, exit when the deal is ready, and keep more capital working for your next opportunity.

I can’t say enough great things about Garrett and the team at CHMIC. They consistently go above and beyond to support your success and are incredibly transparent throughout the process. If you’re tired of the conventional bank experience, work with Calvert. They’re a true partner and a huge asset to have on your team.

Juan Pablo Carrillo
Juan Pablo Carrillo

Our Underwriting Philosophy:

If it is a profitable deal, we want to be involved!

Calvert Home Mortgage | Flip Product Snapshot

We look at profitability first.

Will this flip be profitable? At Calvert Home Mortgage, we’re committed to supporting real estate investors in their success. Our team reviews your deal with you and provides guidance to support strong, profitable decisions.

We lend for success.

We value your property based on its After Repaired Value (ARV) — it's worth as if renovated — using your budget and renovation plans. Whether you’re flipping, adding a rental to your portfolio, or executing a BRRR strategy, we position you for success by lending up to 80% loan-to-value on the ARV, helping you maximize leverage and preserve capital for renovations or other opportunities.

We make it attainable.

As a house flipper, you’ll cover renovation and carrying costs, making monthly interest-only payments along the way. We offer low down payment options starting at just $10K in both Alberta and Ontario, while lending up to 80% of the After Repaired Value (ARV) to help maximize your capital and keep projects moving.

Our underwriting process is simple, transparent, and investor-focused. We take the time to understand your project, build a strong business relationship, and support a profitable flip you can be proud of.

Terms & Financing

Fast, flexible fix-and-flip & BRRR financing to help you scale your real estate portfolio. 

Term
6-month fully open mortgage with no prepayment penalties. Borrowers in good standing also benefit from a no-renewal-fee option, giving you maximum flexibility to exit when the deal is ready.

Down Payment & Rates
Start with as little as $10,000 down in Alberta and Ontario, allowing you to keep more capital available for renovations and additional projects. Rates start as low as 7.99%, helping you maximize returns while still moving quickly.

Payments
Monthly interest-only payments, allowing you to preserve cash flow during the project.

Commitment Fee
A percentage of the net loan amount, built right into the mortgage for a seamless borrowing experience.

Flexible Blanket Mortgage Solutions
If you choose to provide another property as additional security, you may benefit from an even more competitive rate and reduced borrowing costs. Once your flip sells or refinances and the mortgage is paid out, we will discharge all properties securing the loan.

Calvert Home Mortgage can help you reach your house flipping goals.

Calvert Home Mortgage | House Flipping

Our Process is Fast & Effortless.

Real estate moves fast — and so do we. Our streamlined approval process provides committed terms within as little as 1 business day, with minimal conditions, so you can act confidently and secure great opportunities without delay.

We Make Business Personal.

Focused on your financial success, we take the time to understand your house flipping goals and provide trusted advice.

It has always been a pleasure working with Calvert Home Mortgage. Their flipping products are extremely helpful for my business. They provide much more than just lending on properties when it comes to purchasing them. I suggest anyone looking to flip in need of creative financing to contact Calvert.

Jason McNeill
Jason McNeill

From first-time flippers to seasoned real estate investors, we provide the funding and guidance to support your investment success. 

Phone: 403-278-0249 | Toll-free: 1-888-752-4642

Phone: 403-278-0249

Toll-free: 1-888-752-4642