Self-Employed Mortgage Broker
Mortgage Solutions for Business Owners
Owen Langis is a Calgary-based mortgage broker who helps incorporated business owners, sole proprietors, contractors, and oil & gas professionals get approved using lenders who accept business write-offs, stated income, and tax planning strategies instead of two years of perfect tax returns.
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Let’s Find the Best Mortgage for You
A short discovery call is all it takes to start. We'll review your situation, walk through your options, and give you a clear picture of what's possible.
Call or Text
(403) 968-8512
owen@mortgageconnection.ca
Schedule a call
Book a call for a time that works best for you
See What Self-Employed Mortgage Option Is Best for You
Meet Owen — Self-Employed Mortgage Broker
Getting a mortgage when you’re self-employed can be tricky — especially when your income doesn’t fit the bank’s standard rules. I’m Owen, a mortgage broker in Calgary and I am focused on helping Canadian business owners get approved using lenders and programs that understand how self-employed income really works. I work with major banks, credit unions, and flexible lenders to find the right fit — whether you are a long time successful business owner, newly self-employed, have write-offs, or have been declined before.
WE WORK WITH CANADA'S TOP SELF-EMPLOYED MORTGAGE LENDERS
TD Canada Trust | Scotiabank | First National | RMG Mortgages | National Bank
Why business owners work with us
Banks have limited self-employed mortgage options. We shop different lenders to find the best mortgage for you and your business income.
Focused on self-employed mortgages
Licensed across Alberta & British Columbia
My service is free to you. The lender pays my fee. You get professional guidance at no cost.
Your new home in three easy steps
No more visiting multiple banks to find the best self-employed mortgage.
Share a Few Details
Complete a quick online application in under 5 minutes. We only ask for what we need to help find the best self-employed mortgage for you.
We shop multiple lenders
We compare your self-employed mortgage options across Canada’s top banks, credit unions, and alternative lenders on your behalf.
Close Your Way
Pick the self-employed mortgage option that fits your goals. We take care of the details so you can save thousands without the stress.
Licensed, regulated, and trusted across Alberta & BC
Real Estate Council of Alberta
Mortgage Professionals Canada
BCFSA Agent License: 501380
Self-employed mortgage solutions for every stage
Whether you’re buying, renewing, or refinancing, we have the experience and lender network to help with your self-employed mortgage needs.
Pre-Approval
A pre-approval is the first and most important step when starting the process to purchase your next home.
Purchase
Buy with confidence knowing you are working with a trusted self-employed mortgage professional
First Time Home Buyer
Whether you’re buying, renewing, or refinancing, we have the experience and lender network to help with your self-employed mortgage needs.
Refinance
A mortgage refinance can help self-employed business owners lower payments, access equity, or consolidate debt to improve cash flow and support their financial goals.
Renewal
Whether you’re buying, renewing, or refinancing, we have the experience and lender network to help with your self-employed mortgage needs.
Bad Credit
Past credit issues do not have to hold you back—we help self-employed business owners explore mortgage options based on where they are today.
We help Canadian business owners who:
Are looking to work with a self-employed mortgage professional
Have lower taxable income due to business write-offs
Have inconsistent self-employed income
Have inconsistent self-employed income
Have a lower credit scores
Best Mortgage Lendersfor Self-Employed Canadians
(A vs B vs Private)
Understanding how A-lenders, B-lenders, and private lenders are different is important when you are self-employed. The guide below helps break down the difference between self-employed lender options.
| A-Lenders | B-Lenders | Private Lenders | |
|---|---|---|---|
| Who | Big banks, credit unions, monoline lenders | Alternative lenders/ programs (Home Trust, Equitable Bank, etc.) | Mortgage Investment Corporations |
| Rates | Great Rates | Slightly Higher - Good rates (closer to banks posted rates) | Much Higher Rates (9-15%) |
| Min Down Payment | 5% - 10% | 20%+ | 20% - 35%+ |
| Min Credit Score | 600 - 680+ | 500+ | No minimum (equity based) |
| Income Verification | Full or stated (select lenders) | Stated or alternative documentation | Minimal to none |
| Self-employed Friendly | Varies widely | Very | Yes |
| Fees | None | 1% - 2% one time lender set-up fee (typically) | 1% - 5% lender fee + broker fees (typically) |
| Lender Pros | Lower rates, well known lenders, no fees | Qualify for more, pay less taxes, qualify faster, less tax planning required | fast, easy, low docs, no income required |
| Lender Cons | Qualify for lower amount, strict guidelines, pay more in taxes, more tax planning required (typically) | slightly higher rates, fees, larger min down payment | expensive, larger down payment required |
My approach: I begin with A-lenders to secure the best rates and terms whenever possible. If A-lenders are not a fit, I move to B-lenders well-established institutions that offer more flexibility at slightly higher rates. Private lending is considered a last step, typically used as a short-term (1–2 year) solution when it makes strategic sense.
Did you know: Many B-lenders are actually A-lenders that offer specialized B mortgage programs designed to help business owners qualify.
Common self-employed mortgage questions
Can self-employed Canadians qualify for a mortgage?
Yes self-employed Canadians can absolutely qualify for a mortgage. The key is using lenders and programs that understand business income. With the right strategy, many business owners qualify just as easily as salaried employees.
How do lenders calculate income for self-employed mortgages?
Typically, lenders request your last two years of personal T1 tax returns and Notices of Assessment (NOAs). Depending on your situation & the self-employed mortgage program we are using to qualify, they may also ask for other documents like corporate financials, business bank statements, or proof of business registration etc.
What documents do I need for a self-employed mortgage in Canada?
For a self-employed mortgage in Canada, initially most lenders ask for your last two years of personal tax returns (T1’s) and Notices of Assessment (NOAs). They also commonly ask for corporate financials, business bank statements, business registration documents and other documents related to your business.
How do tax write-offs affect getting a mortgage?
Tax write-offs reduce your taxable income, which can lower the mortgage amount you qualify for. However, many self-employed mortgage programs use alternative income calculations to help offset this impact.
Can I get a mortgage with fluctuating or irregular income?
Yes fluctuating income is common for self-employed borrowers. Lenders often review a two-year income average or alternative documentation to determine stable qualifying income.
Get in Touch
Let’s Find the Best Mortgage for You
A short discovery call is all it takes to start. We'll review your situation, walk through your options, and give you a clear picture of what's possible.
Call or Text
(403) 968-8512
owen@mortgageconnection.ca
Schedule a call
Book a call for a time that works best for you