Our Services
Self-Employed Mortgages
Financing Solutions for Business Owners
As a business owner, your income doesn't always fit neatly into a T4 box. I work with lenders who understand self-employed income structures, helping you secure the financing you deserve without jumping through unnecessary hoops.
1Who is this for?
- Sole proprietors, freelancers, and incorporated business owners
- Business owners who write off expenses and show lower net income
- Self-employed individuals needing flexible income verification
2Common Challenges
- Banks requiring 2-3 years of strict NOA income history
- Net income on tax returns not reflecting actual cash flow
- Difficulty proving income due to business write-offs
How We Help You Win
Our Strategy
- Stated Income and Alternative lending programs
- Accessing lenders who use add-back strategies or bank statements
- Structuring your application to highlight your true earning power
Your Benefit
- A mortgage approval reflective of your actual business success
- Less frustration trying to fit the traditional banking mold
- Strategic advice on declaring income for future purchases
Frequently Asked Questions
Do I need 2 years of business history?
While 2 years with Notice of Assessments is standard for A-lenders, alternative programs exist for those with 6-12 months of strong business deposits.
Can I use 'Stated Income'?
Yes, we have access to Stated Income programs for self-employed individuals.
Will my rate be higher?
Not necessarily. If you can qualify through standard self-employed programs with excellent credit, you get prime rates. Alternative programs with flexible income verification may have slightly higher rates.