The Self-Employed Challenge
If you're self-employed, you already know the problem: you write off business expenses to minimize your tax bill โ which is smart โ but then your tax return shows a lower income than you actually earn. Traditional banks look at your Notice of Assessment and decline you.
I specialize in exactly this situation. I understand how to present your file to the right lenders โ ones who look at your actual cash flow, not just your taxable income.
How I Get Self-Employed Clients Approved
- Bank Statement Mortgages: Using 12-24 months of business bank statements to demonstrate real cash flow
- Stated Income Programs: Lenders who accept declared income for qualified borrowers
- Business Financials: Using your T2 corporate return and retained earnings
- Gross Revenue Programs: Some lenders use a percentage of gross revenue โ ideal for high-revenue businesses
Who I Help
Electricians, plumbers, HVAC technicians, truckers, general contractors, consultants, real estate agents, IT professionals, restaurant owners, retail business owners โ if you work for yourself in any capacity, I have a lender who will approve you.
Incorporated vs. Sole Proprietor
Whether you operate as a sole proprietor or through a corporation, the approach differs and I know exactly how to present each structure. For incorporated borrowers, I look at salary drawn, dividends, and retained earnings to build the strongest possible income picture.