After 10 years in prefab construction, I found the #1 issue plaguing every project: financing.
Whether it’s a first home, a refinance, or a 60-unit mid-rise, financing is where projects succeed or stall. I spent a decade building prefab homes and saw it firsthand. Now I bring that construction insight to residential mortgages, multi-unit financing, self-employed borrowers, and business acquisitions.
A CMHC program specialist for the way you actually build.
Two federal programs are reshaping how homes and rental buildings get financed. I structure deals around both.
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 — and I know how to use it.
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 hit energy, affordability, and accessibility targets.
Financing for every stage — home, build, and business.
One agent, 40+ lenders. From a first mortgage to a multi-unit construction takeout, 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.
Construction & Development
Multi-unit construction financing, CMHC takeouts, and private lending for builders and developers. This is where I’m different.
Self-Employed & Business Owners
Banks often struggle with self-employed income. I structure your application so the right lenders see your real financial picture.
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.
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.
Three steps. No pressure.
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.
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.
The people who finance buildings should understand how buildings work.
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 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 builders and developers face every day when trying to get their projects funded.
Let’s talk.
Whether you’re buying your first home or financing your next development, tell me what you’re working on.