Mortgage Financing Barriers Explained | Real Estate Investing Canada | Edmonton

Apr 30, 2025

🎧 Mortgage Financing Barriers Explained | Real Estate Investing Canada | Edmonton
Real Estate Investing Morning Show – Hosted by Wayne & Gabby Hillier

In today’s episode, full-time investors and coaches Wayne and Gabby Hillier sit down with investor-focused mortgage broker Keaton Kirkwood to uncover the real reasons many Canadians struggle with financing their next investment property — and how to overcome them.

Keaton breaks down the three lending barriers every investor needs to understand: income, down payment, and lender policy limitations. If you've ever been told you "don't qualify" or hit a financing wall, this episode explains why — and what to do about it.

They also talk about recent lending rule changes, the death of offset rental income, and why lenders are quietly tightening policies across Canada. Plus, Keaton shares the power of planning ahead, why most real estate investors sabotage themselves by accident, and why the cheapest JV partner you’ll ever have is the bank.

🧠 What You'll Learn in This Episode:

• The 3 core financing filters: Income, Funds, and Policy

• Why your personal truck loan might be killing your ability to invest

• The invisible lending rules no one teaches you

• Why most lenders won’t count Airbnb or short-term rental income

• How one couple is planning to buy 25 properties with just A-lender financing

• Why 3 rental properties could change your family’s future forever

This is one of the most valuable and actionable episodes ever recorded about Canadian mortgage financing — don’t miss it.

📢 Edmonton Real Estate Investing Deal Lab – May 3, 2025
📍 Creative Hive, Edmonton, Alberta
🎟️ Register Now
🎉 Use code REIMORNINGSHOW for 25% OFF

Our Deal Lab workshop will help you:
✔️ Analyze real Edmonton deals on-site
✔️ Compete in Deal Lab Games, our live offer-writing experience
✔️ Learn how to evaluate properties like a pro
✔️ Network with JV partners and investors who are doing deals now

🎙️ Be sure to listen live daily for your chance to win a free ticket!

👥 About Your Hosts
Wayne & Gabby Hillier are full-time real estate investors and coaches based in Edmonton, Alberta, Canada. Through their REI Masters Mentorship Program, they help Canadians build long-term wealth using rental properties, BRRRRs, flips, joint ventures, and creative real estate strategies.

🎙️ New episodes every weekday morning featuring real stories, coaching moments, and tactical investing advice.

💡 Resources & Contact
Learn about our Mentorship Program: www.reimasters.ca
Bookkeeping & tax help: www.finngo.com/rei
Submit a question: [e-mail]

🤝 Thanks to Our Sponsors
🏠 Krystal Kromm – Red Deer Investor-Focused Realtor
📞 [phone]
🔗 Facebook

🏢 Calvin Realty – Edmonton Investor-Focused Realtor Team
🌐 calvinrealty.ca
🔗 Facebook

📊 Finngo Bookkeeping & Tax – Investor-Focused Accounting Firm
🌐 www.finngo.com/rei
🔗 Facebook

💼 Kirkwood & Brennan Mortgage Group – Investor-Focused Brokers
🌐 www.kbmortgages.ca
📧 [e-mail]
🔗 Facebook