Self-Employed & Business Owner Mortgages
You don't need a simple T4 to deserve a competitive mortgage.
Banks often decline strong borrowers because tax-efficient accounting lowers net income on paper. We work with lenders that accept stated income, bank statement programs, and business financials — matching your real earning power to the right product.
Document prep
Clear checklist: NOAs, financials, contracts.
Alt lenders
When A-lenders don't fit, structured B options.
Income gross-up
Add-backs for depreciation and one-time expenses.
Purchase & refinance
Buying, moving, or accessing equity.
Self-employed pre-approval
Tell us your structure — sole prop, corp, or partnership — and we'll map the path.
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