MLI Select Expert
Mortgages & lending, from someone who built the buildings
Whether you need a simple refinance, a first home, or financing for a 60-unit mid-rise — I serve everyone. With a decade running a high-performance prefab manufacturing company, I bring specialized expertise to construction projects, self-employed borrowers, and complex builds — without losing the basics homeowners need.
CMHC Program Specialists
I lived these programs from the construction side — let me walk you through how they work for your project.
CMHC Prefab Plus
CMHC’s new program expanding mortgage insurance for prefabricated and modular homes. If you’re buying a factory-built home, this changes how your purchase gets financed. Most banks don’t know this program exists yet. I do, because I’ve been building these homes for a decade.
CMHC MLI Select
Insured financing for purpose-built rental buildings with 5+ units. Up to 95% loan-to-cost, 50-year amortization, and premium discounts for projects that score on affordability, energy efficiency, and accessibility. I understand the scoring because I’ve designed buildings to meet these criteria.
How I Help
Whether you’re buying your first home or financing a 30-unit apartment build, I find the right money at the right terms.
Residential Mortgages
Better rates than your bank, with 40+ lenders competing for your business. It costs you nothing.
- Purchases and pre-approvals
- Renewals and switches
- Refinancing and equity takeout
- Debt consolidation
- Prefab and modular homes
Construction & Development
Multi-unit construction financing, CMHC takeouts, and private lending for builders and developers. This is where I’m different.
- 5-30+ unit apartment financing
- CMHC MLI Select coordination
- Construction loan structuring
- Private and MIC lending
- Renovation and repositioning
Self-Employed & Business Owners
Banks often struggle with self-employed income. I know how to structure your application so the right lenders see your real financial picture.
- Stated income programs
- Business-for-self qualification
- Holding company structures
- Commercial property purchases
- Creative deal structuring
Business Acquisitions & Loans
Buying a business or financing growth? I help you navigate acquisition financing, vendor takebacks, and creative deal structuring with lenders who understand small-business deals.
- Business acquisition financing
- SBA & BDC loan structuring
- Vendor takeback (VTB) deals
- Asset-backed & equipment lending
- Operating capital & growth lines
Not your typical mortgage agent.
Before getting into mortgage financing, I spent nearly a decade building and operating a high-performance prefab manufacturing company. I know what buildings actually cost to build, when a budget is realistic, and how to structure financing around real construction timelines.
For developers, that means you’re working with a mortgage agent who can evaluate your project, not just your spreadsheet. For homeowners, it means someone who understands your house, not just your mortgage.
Building with prefab, panelized, or mass timber?
Simple Life Building Systems is my MMC Technical Integration consultancy. We coordinate modern methods of construction so your project delivers on time, on budget, and at the quality it was designed for.
Plan it with SLBS. Finance it with SLF.
How It Works
Simple, transparent, and always in your corner.
Free Consultation
We talk about your goals, your timeline, and your financial situation. No pressure, no obligation. Just an honest conversation about your options.
I Shop the Market
I take your application to 40+ lenders. Banks, credit unions, and specialized lenders compete for your business — better rates, better terms.
You Close with Confidence
I walk you through every option in plain language and make sure you understand exactly what you’re signing. No surprises.
About Jeremy
I’m Jeremy Clarke, a licensed mortgage agent with BRX Mortgage based in the Brighton-Cobourg area of Eastern Ontario. I’m also the founder of Simple Life Group, which includes a construction consultancy, an apparel brand, and now a mortgage practice — built around one idea: the people who finance buildings should understand how buildings actually work.
I spent nearly a decade building and operating a high-performance prefab manufacturing company from the ground up. That experience taught me more about construction financing than any course ever could, because I lived the pain points that builders and developers face every day when trying to get their projects funded.
I also host The MMC Podcast, where I talk to the people building the future of Canadian housing.
Licensed Mortgage Agent · FSRA # Pending
BRX Mortgage Inc. · Simple Life Financial
Host, The MMC Podcast
Serving Eastern Ontario: Brighton, Cobourg, Port Hope, Belleville, Peterborough, Ottawa & surrounding areas
Let’s Talk
Whether you’re buying your first home or financing your next development, I’d love to hear what you’re working on.