Self-Employed Mortgage
Being self-employed doesn't make you a risky borrower — it just means your income looks different on paper. I specialize in getting business owners approved.
Traditional banks want T4s and pay stubs. When you're self-employed, you don't have those. But you do have business income, retained earnings, and a track record of financial discipline — and I know how to present that.
I work with lenders who understand self-employment: A lenders with business-for-self programs, credit unions, and alt lenders who look at your whole financial picture rather than just a pay stub.
I'll help you understand what documents you need, how to structure your application, and what to expect at every stage. Being self-employed is a strength — let's frame it that way.
What You Get Working with Me
- Access to lenders with business-for-self programs
- Stated income and alt-A options available
- Guidance on documents: NOAs, T1 generals, business financials
- Strategies to present self-employment income compellingly
- A and B lender options depending on your situation
Common Questions
Can I get a mortgage if I just started my business?
It depends on how long you've been self-employed and the lender type. Generally, 2+ years is preferred for A lenders, but there are solutions for newer businesses with strong income.
What documents will I need?
Typically 2 years of T1 generals, Notices of Assessment, business registration, and sometimes business financial statements. I'll give you a detailed checklist tailored to your situation.
Will I get a higher rate for being self-employed?
Not necessarily. With an A lender approval, you get standard rates. We always aim for A lenders first — alt lenders are the backup plan, not the default.
Ready to Get Started?
Let's talk about your situation. I'll find the best options available for you, at no cost.
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