Understand Your Business
We start with how long you have been operating, how the business is structured and how you pay yourself.
SELF-EMPLOYED MORTGAGES
A mortgage strategy built around how your business actually works.
Self-employed borrowers often have a more complex income picture than salaried employees. We help organize the numbers, documentation and lender options so you can understand what is realistically available.
Review Your Income
We look at the income information and supporting documents available to build a clear picture of your earnings.
Assess the Full Application
Credit, down payment, existing debts, property type and mortgage amount are reviewed alongside income.
Compare Lender Options
We identify lenders and programs that fit the overall profile rather than forcing every business owner into the same approach.
SELF-EMPLOYED MORTGAGE JOURNEY
Turn a complex income profile into a clear mortgage plan.
01Business Profile
02Income Review
03Documents
04Qualification
05Lender Options
06Approval
WHAT CAN AFFECT QUALIFICATION?
Your income is more than one number.
Business History
How long the business has operated and the consistency of its activity can influence the available options.
Income & Cash Flow
Income history and supporting financial information help lenders understand the sustainability of earnings.
Credit Profile
Credit history and existing obligations remain important parts of the overall mortgage assessment.
Down Payment & Equity
The amount and source of your down payment—or available property equity—can affect lender and program selection.
DOCUMENT PREPARATION
Know what may be requested before you apply.
The exact documents depend on the borrower and lender. Preparing the right information early can make the mortgage process much smoother.
Review your self-employed mortgage with us →Personal Tax DocumentsRecent tax returns and Notices of Assessment may be requested to review reported income and tax status.
Business InformationBusiness registration, incorporation or ownership information may be required depending on your structure.
Financial InformationSupporting business financial information may be requested when relevant to the lender's assessment.
Down PaymentStatements and supporting records may be needed to confirm the source and history of funds.
Credit & LiabilitiesExisting mortgages, loans, lines of credit and other obligations are included in qualification.
Property DocumentsOnce a property is selected, the lender may require the purchase contract and property-specific documents.
WHY BROKER REVIEW MATTERS
Different businesses call for different lending strategies.
Business Structure
Corporation, sole proprietorship and partnership structures can create different documentation considerations.
Income Documentation
The documents available and the way income is earned can influence which lender guidelines are relevant.
Property & Loan
Property type, intended use, mortgage amount and loan-to-value can change the available solutions.
Your Goals
Purchase, refinance and longer-term plans can affect which mortgage structure makes sense.
SELF-EMPLOYED REVIEW
Know where you stand before you make your next move.
A broker can review your business and personal financial picture before you apply, helping you understand your qualification range, documentation and lender options.
Mortgage approval and documentation requirements vary by lender, borrower, property and transaction.
Ready to review your self-employed mortgage options?
Tell us about your business, property plans and financing goals.