Self-Employed Mortgage Alberta
Owen Langis is a Calgary-based mortgage broker who is focused on helping self-employed, incorporated business owners, contractors, and oil & gas professionals across Alberta 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
Self-Employed Mortgages in Alberta
Helping Alberta Business Owners Get Approved
Getting approved for a mortgage in Alberta can be harder when you’re self-employed—especially if write-offs make your income look lower on paper.
We help Alberta business owners, contractors, and entrepreneurs qualify with lenders that understand self-employed income.
Whether you own a business in Calgary, Edmonton, Red Deer, Lethbridge, Medicine Hat, Airdrie, or surrounding Alberta communities, we help structure your application to show your true income and mortgage options.
We also help clients across Alberta, including business owners in both major cities and smaller communities throughout the province.
Who I help in Alberta
Self-employed income comes in many forms.
Your industry matters, but your business structure, income history, credit, down payment and documentation matter more.
Incorporated Business Owners
T2 filers with retained earnings, complex income flows, and corporate structures
Commission Earners
Real estate agents, financial advisors, and sales professionals with variable income structures
Oil & Gas Consultants
Incorporated contractors and consultants in Calgary's energy sector - A common self-employed profile in Calgary
Healthcare Professionals
Dentists, physicians, physiotherapists, and allied health professionals with practice income
Trades & Construction
Electricians, plumbers, general contractors, and tradespeople running their own companies
Tech & Consulting
Freelancers, IT contractors, and software developers invoicing through a corporation
Incorporated Professionals
Lawyers, accountants, engineers, and consultants operating through a professional corporation
Real Estate Investors
Portfolio owners and landlords where rental income adds complexity to mortgage qualification
WE WORK WITH ALBERTA'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.
Pre-approval in as little as 1 hour
Licensed across Alberta & British Columbia
Flexible appointments — evenings and weekends
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.
Self-employed mortgage solutions for every stage
Whether you’re buying, renewing, or refinancing in Alberta, we have the expertise 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 specialist
First Time Home Buyer
Buying your first home while self-employed can feel overwhelming.
We make the process easy to understand.
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
Renewing your mortgage is a chance to review your options.
We compare lenders to help you renew with confidence.
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.
Built for self-employed borrowers who don’t fit the bank’s box
We help Alberta business owners who:
Have been in business for less than two years
Have lower taxable income due to business write-offs
Have inconsistent self-employed income
Have a lower credit scores
Licensed, regulated, and trusted across Alberta & British Columbia
Real Estate Council of Alberta
Mortgage Professionals Canada
BCFSA Agent License: 501380
Serving Business Owners Across Alberta
We help self-employed business owners across Alberta - including Calgary, Edmonton, Red Deer, Lethbridge, Airdrie, and Medicine Hat find mortgage solutions that fit their real income—not just what shows on paper.
Whether you are buying, refinancing, renewing, or need an option after a bank decline, we work with lenders that understand self-employed income, write-offs, and non-traditional documentation.
Common self-employed mortgage questions
Can Alberta business owners qualify for a mortgage?
Yes — Alberta business owners 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 Alberta?
For a self-employed mortgage in Alberta, 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