SELF-EMPLOYED MORTGAGES
Self-Employed
Mortgages for self-employed borrowers in Alberta
Being self-employed shouldn't mean being shut out of homeownership. I work with lenders who understand business income and can structure financing that reflects your true earning power.
Why self-employed borrowers face challenges
Traditional mortgage lenders evaluate income based on T4 slips and straightforward pay stubs. Self-employed borrowers often have strong cash flow but lower reported net income due to legitimate business deductions — which can make qualification difficult through conventional channels.
This doesn't mean you can't get a competitive mortgage. It means you need a broker who understands how to present self-employed income and knows which lenders offer the most flexibility.
Common challenges for self-employed borrowers
- Variable or seasonal income patterns
- Income reported differently than salaried employees
- Business write-offs that reduce net income on paper
- Difficulty meeting traditional lender guidelines
- Limited options at major banks
If any of these sound familiar, you're not alone — and there are solutions available.
Financing solutions I offer
- Stated income programs for established business owners
- Bank statement lending based on deposits rather than tax returns
- Alternative lenders who specialize in self-employed borrowers
- Flexible documentation options beyond traditional T4 income
- Strategies to present your income in the strongest way possible
The right program depends on your specific situation. Let's review your income and find the best path forward.
Types of self-employed borrowers I work with
- Sole proprietors and freelancers
- Incorporated business owners
- Commission-based professionals
- Contractors and gig workers
- Partnership income earners
Regardless of your business structure, I can help you navigate the mortgage process and find a lender that fits your situation.