Self-Employed Mortgages
Self-employed does not mean unqualified.
It means your application needs to be built differently.
If you are self-employed, you have probably been told that getting a mortgage is complicated. That is partially true — but only if you work with someone who does not know how to present your income correctly.
I have spent 30 years helping business owners, contractors, freelancers, and incorporated professionals get approved for mortgages. I know exactly how to structure your application to show lenders the full picture of your financial strength.
Who I help
Sole proprietors and freelancers
Incorporated business owners
Contractors and consultants
Commission-based earners
Professionals with variable income
People who have been declined by their bank
Anyone who has been told they 'do not qualify'
How do lenders assess self-employed income?
It depends on the lender and the type of self-employment. Traditional lenders typically use your stated income from your tax returns (Line 15000 or Line 23600) — often averaged over two years. Alternative lenders may use bank statements, contracts, or stated income with a larger down payment. I know which lenders work best for which situations, and I will match you with the right one.
What documents do I need as a self-employed borrower?
Typically: two years of personal tax returns and Notices of Assessment, two years of business financial statements (if incorporated), business registration or articles of incorporation, recent bank statements, and a letter from your accountant. I will tell you exactly what you need before we start.
Can I get a mortgage if my income has been inconsistent?
Yes, in many cases. It depends on the pattern of your income, how long you have been self-employed, and your overall financial picture. I will assess your situation honestly and tell you what is possible — and what we need to do to get there.
What if my bank already said no?
Banks have narrow qualifying criteria. I have access to dozens of lenders, including alternative and private lenders who specialize in self-employed borrowers. A 'no' from your bank is not the end of the conversation.
Ready to get started?
No obligation, no pressure — just a direct conversation.
Book a Self-Employed Mortgage Consultation