Short-Term Loans for House Flipping

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

We have fast funding ideal for real estate investors and brokers

Calvert Home Mortgage Investment Corporation specializes in working with real estate investors, house flippers, and BRRR (Buy, Renovate, Rent, Refinance) enthusiasts in Alberta and Ontario. We lend to investors who buy, fix, and immediately resell properties for a profit.

Our team of experienced Underwriters and Business Development Associates will consult with you to create a plan to ensure you’re profitable on your next flip. As one of the oldest Mortgage Investment Corporations in Canada, we’ve been providing an effortless mortgage lending experience since 1975.

What We Look for in a Flip Real Estate Project:

Locations with 10K+ Population

A Quick Exit Within 12 Months

Resale Strategy

A Renovation Plan

Clear Renovation Costs

Sufficient Capital for Project Funding

Are you a Mortgage Broker? Learn more about our lifetime guarantee with clients.

Flip/BRRR Mortgages for Canadian Real Estate Investors

What We Offer

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.

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, or payout fees. Move at your pace, exit when the deal is ready, and keep more capital working for your next opportunity.

Our Underwriting Philosophy:

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 by focusing more on the project than we do on your credit score or income to ensure your 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. If you have an exit strategy, we’ll find a way to structure your funding in a way that works for you.

Terms & Financing

Term
6-12 month fully open mortgage options with no prepayment penalties giving you maximum flexibility to exit when the deal is ready.

Payments
Monthly interest-only payments, allow you to preserve cash flow during the real estate investment project.

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.

Down Payment & Rates
Competitive rates are expected, strategic financing with speed and certainty is our difference. Rates start at 6.75%

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

How Does 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.

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

Phone: 403-278-0249

Toll-free: 1-888-752-4642