A mortgage that works for how you actually earn.
Self-employed doesn't mean unqualified. It just means you need a broker who knows what they're doing.
If you're self-employed, you've probably already heard "it's complicated" from a bank. And honestly? They're not wrong for them. Banks rely on T4s and pay stubs, and when your income doesn't fit that mould, they often just say no.
But there are over 50 lenders in Canada, and many of them are built for people exactly like you. As a mortgage broker, I have access to all of them, and I know which ones work well for self-employed borrowers.
The banks make it harder than it needs to be.
What I look at when you're self-employed
Whether you pay yourself a salary, take dividends, or run income through your business, I'll work with what you actually have: NOAs, T1 Generals, financial statements, or stated income options depending on your situation.
Your income picture
Some lenders use your gross business revenue. Some use your net income after write-offs. Some offer Business for Self programs with more flexible qualification. I'll match your file to the right lender from the start.
Your lender options
A strong down payment, solid credit, or significant home equity can all work in your favor. I look at the whole picture, not just one number on a tax return.
Your full financial story
What this can look like in practice
Say you're a contractor in Victoria with two years in business, strong revenue, but your accountant has done a great job minimizing your taxable income. On paper, you look like you don't earn much. At a bank, that's often a dead end.
With the right lender and the right documentation strategy, that same file can qualify. We'd look at your actual deposits, your NOAs over two years, and whether a stated income or alt-A lender is the better fit. The goal is always to find you the most competitive rate your file can support.
Every situation is different, but there's usually a path forward.
What you'll need to get started
Most self-employed mortgage applications will use some combination of:
Two years of T1 General tax returns and Notices of Assessment
Business registration or incorporation documents
Recent business bank statements
A letter from your accountant (in some cases)
Not sure what you have or what you need? That's exactly what a discovery call is for. We'll figure it out together.