Clear, Stress-Free Mortgage Solutions for Business Owners
Strategic support to qualify with confidence—even when your income looks “different” on paper.
Running a business gives you freedom, flexibility, and control—but when it comes to getting a mortgage, self-employed Canadians often face extra hurdles. Traditional lenders may not understand fluctuating income, write-offs, or non-traditional pay structures, making the process feel frustrating or discouraging.
That’s where I come in.
I help self-employed individuals in Cochrane qualify with clarity, confidence, and strategy. Whether you're incorporated, a sole proprietor, a contractor, or paid through a mix of income streams, I’ll help you understand your best mortgage options and present your financial picture in the strongest way possible.
With the right plan—and the right support—getting approved as a business owner is absolutely achievable.
(With Way Less Stress)
Inside my friendly, easy-to-follow guide, I'll share with you how I help my clients move through the mortgage process with clarity, confidence, and calm. Learn what really speeds things up, what slows things down, and how to feel prepared without the endless Googling.
Self-employed mortgages often require different documentation and a more nuanced approach to income.
I’ll review your tax returns, business financials, notices of assessment, and supporting documents to determine the strongest way to position your application.
Whether your income fluctuates, you take advantage of business write-offs, or you’ve recently grown your revenue, we’ll build a clear, strategic pre-approval that reflects your true financial strength.
Self-employed borrowers often qualify under different lender programs, from traditional lending to stated income to business-for-self products. I compare lenders, rates, and guidelines for you and explain the pros and cons of each option in plain language.
My goal is to help you choose a mortgage solution that supports your business, protects your cash flow, and sets you up for long-term success—not one that limits your financial flexibility.
The key to self-employed mortgages is preparation.
I’ll guide you through what to provide, how to present your income, and what lenders expect—so there are no surprises or last-minute stress.
From gathering documents to meeting lender conditions, I keep everything organized and easy to follow. You’ll always know what’s needed, why it matters, and how to move forward confidently.
Most lenders use a two-year average of your taxable income, but alternative programs may consider gross income, recent business growth, or add-backs. I’ll help determine the best path for your situation.
Typically yes, but exceptions exist—especially for incorporated businesses or individuals with strong industry experience. We can explore all available options.
Write-offs reduce taxable income, which can impact qualification. I can help you understand how lenders view your deductions and whether alternative programs may be a better fit.
Sometimes, depending on the program and documentation. My job is to compare lenders and find the most competitive and cost-effective solution for your situation.
Most self-employed borrowers need tax returns, NOAs, financial statements, corporate documents (if incorporated), and business banking history. I’ll guide you through everything to keep it as simple as possible.
Yes. Many lenders serving the Cochrane and Calgary region offer strong self-employed programs. I’ll help match you with the lender that best fits your financial picture.
Let’s build a clear financing plan that supports your business and helps you move forward with confidence.