Self-Employed Mortgages in Calgary
Looking for a Self-Employed Mortgage Specialist?
Owen Langis with Mortgage Connection helps business owners in Calgary get their mortgage applications approved - even when the banks say no.
- Focused on Self-Employed Mortgages
- We work with Big Banks, Credit Unions & Other Lenders
- Serving Calgary & Surrounding Areas
We help Calgary business owners get approved
Calgary has one of Alberta’s strongest entrepreneurship communities, with over 15% of the province’s workforce self-employed and many business owners in industries like construction, professional services, oil & gas consulting, real estate, and tech.
If you’re a contractor in Evergreen, a professional in Panorama Hills, or running a growing business in Auburn Bay, getting a mortgage approval can feel frustrating—especially when write-offs, retained earnings, or variable income make your qualifying income look lower - making it harder to qualfiy for the mortgage you want.
Owen Langis with Mortgage Connection specializes in self-employed mortgages in Calgary, working with banks, credit unions, and alternative lenders to structure your mortgage application properly using options like income gross-ups, add-backs, and bank-statement programs.
Testimonials
Kind words from my clients.
The best part of my job is working with self-employed Calgary business owners and helping solve the unique challenges they face when getting a mortgage.
If you’re looking for a trusted mortgage broker in Calgary who understands self-employed income, here’s what my previous clients have to say.
💡 Did you know?
Self-Employed business owners in Calgary can purchase a home with as little as a 5% downpayment?
The Problems
Why banks decline self-employed mortgage applications
Self-employed business owners in Calgary often run into a variety challenges when applying for a mortgage.
Tax write-offs, lower claimed or inconsistent income, being a newer business or past credit challenges can all make it harder to get your mortgage application approved.
Once declined by their bank, often times business owners do not seek out a second opinion on their mortgage options and can spend years waiting on the sidelines, missing out on homeownership or better financing options, putting their plans are put on hold.
We understand these challenges and can help you find the right lender & self-employed mortgage program to get your application back on track and moving in the right direction.
Self Employed - Less Than Two Years
New to being self-employed?
Many lenders want to see two full years in business before approving you for a mortgage.
Lower Taxable Income Due to Write-Offs
Business owners in Calgary often use tax write-offs to reduce their taxable income — which is great at tax time, but can make qualifying for a mortgage trickier.
Inconsistent Income
Self-employed income isn’t always the same month to month. Whether your business has busy seasons, slower periods, or fluctuating contracts, inconsistent income can affect your mortgage options.
Lower Credit Score
Business owners in Calgary sometimes have lower credit scores due to business expenses, fluctuating income, or relying on credit to manage cash flow. A lower score can affect your mortgage options.
High Debt Load
Often times business owners in Calgary carry higher debt from operating their business — things like credit cards, lines of credit, or equipment loans. While this is totally normal, it can impact how much you qualify for.
Limited Access to the Right Mortgage Programs
Many self-employed business owners have limited access to the right mortgage programs because their bank typically offers only a few self-employed mortgage options and can only review your income in just one way.
Do you have questions?
Let's chat.
The Solutions
How we help Calgary business owners get approved
We Specialize in Self-Employed Mortgages
Calgary Business owners choose us because we have a passion and focus on self-employed mortgages.
We understand write-offs, variable income, and specialized self-employed mortgage programs — we know how to present your file so lenders say yes.
Approval Options Beyond Traditional Banks
Many business owners get declined at big banks for a range of reasons.
We work directly with big banks, credit unions and other mortgage lenders who specialize in self-employed income, alternative documentation, stated income programs, and flexible qualification rules tailored for entrepreneurs.
Experience with Self-Employed Mortgages
We have years of experience navigating self-employed mortgage guidelines, we know how to position your application with the right lender and program — so you can move forward with confidence and get approved.
Mortgage Solutions Built Around Your Business
Every business is unique — your mortgage should be too.
We build custom mortgage strategies around your cash flow, tax structure, business expenses, and long-term financial goals.
Fast, Stress-Free Mortgage Approvals
Business owners don’t have time for slow approvals.
We streamline the entire process with simple document lists, quick communication, and lender relationships designed to get your mortgage approved faster.
Better Rates & Terms for Business Owners
Because we specialize in self-employed borrowers, we know which lenders offer the best rates, flexible terms, and approvals for business owners.
You get options you won’t find on your own at the bank.
Real Calgary Client Success Stories
How We Help Our Clients
Self-employed mortgage services in Calgary
We offer a full range of mortgage services tailored to self-employed business owners in Calgary & the surrounding areas.
Whether you’re looking for a mortgage pre-approval, buying your first home, refinancing, investing in a rental property, or navigating credit challenges, we offer a wide range of mortgage services designed for self-employed business owners.
Pre-Approval
The first step in the home buying process is completing a proper mortgage pre-approval. For self-employed buyers, this means reviewing income documents upfront—not making assumptions that can lead to disappointment later. We assess your business structure, tax documents, and lender options so you clearly understand your true buying power before house shopping.
Pre-Approval >>
Refinance
A mortgage refinance can help self-employed business owners in Calgary lower their monthly payments, access home equity, or consolidate higher-interest debt. By reviewing your income and lender options, refinancing can improve cash flow and support your business and personal financial goals.
Refinance >>
First Time Home Buyer
Buying your first home as a self-employed business owner can feel overwhelming. We guide you through income review, down payment options, and lender requirements so you can purchase your first home with clarity and confidence.
First Time Home Buyer>>
Renewal
Mortgage renewals for self-employed business owners are a chance to reassess your lending options, and to shop for a lower rate. We review your current renewal offer and compare other lenders options to help you renew with confidence and flexibility.
Renewal >>
Bad Credit
Past credit challenges don’t have to stop self-employed business owners from moving forward. We help clients with bad credit, consumer proposals, or past bankruptcies explore mortgage options based on today’s financial picture—not just past setbacks.
Bad Credit >>
Rental Property
Purchasing a rental property can help self-employed business owners build long-term wealth, generate additional income, and diversify beyond their business. With the right mortgage strategy, rental income and equity can strengthen cash flow while supporting future investment growth.
Rental Property >>
💡Did you know?
Did you know that self-employed business owners often have access to mortgage options that aren’t available to traditional salaried employees?
Specialty Mortgage Programs
Mortgage programs to get you approved
Many Calgary business owners don’t realize there are many specialized mortgage programs available which are designed to help self-employed borrowers get their mortgage applications approved.
These flexible mortgage options aren’t widely advertised and are not offered by every lender, so they often go unnoticed.
Most entrepreneurs only discover these programs are available after working with a mortgage professional who understands self-employed mortgages and knows where to find the right solutions.
New Business
Even if you’ve been self-employed for less than two years, you may still qualify for a mortgage. Some lenders offer flexible programs for newer business owners, especially if you have strong industry experience or stable income with as little at 5% downpayment.
New Business >>
Income Gross-Up
Income Gross-ups are a tool some lenders use to increase the amount of self-employed income we can use on your mortgage application. When used properly, income gross-ups can increase the amount you qualify for for your next mortgage.
Income Gross-Up >>
Income Add-Back
Income add-backs allow some lenders to recognize more of your self-employed income by adding back certain eligible business expenses. When properly used, they can increase your qualifying income and the mortgage amount you may be approved for.
Income Add-Back >>
Stated Income (Insured)
We work with lenders offering Business-for-Self insured programs that allow self-employed borrowers to qualify with simplified income verification, strong credit, and a reasonable estimate of business income with as little as 10% downpayment.
Stated Income (Insured)>>
Bank Statement Mortgage Programs
Our bank statement mortgage options use 6–12 months of business bank statements to verify real business cash flow.
This is ideal for business owners with strong deposits but low net income showing on their personal tax returns due to tax write-offs who also have a minimum of 20% downpayment.
Bank Statement Program >>
Alternative Programs
"B" mortgage programs can be a fantastic option for self-employed clients because they look at your situation more flexibly than traditional banks. Often times these programs are offered by "AAA" lenders, allow higher debt-service ratios, consider alternative income documentation, and are comfortable with lower credit scores — This often means you can qualify for a much larger mortgage amount than you would with a traditional "A" lender program.
Alternative Programs >>
Why work with a self-employed mortgage specialist
- Focused on self-employed mortgages
- Understanding of Self-Employed Programs
- Access to Lenders That Support Self-Employed Borrowers
- Faster, Smoother Mortgage Approvals
About Me
Owen Langis with Mortgage Connection
Owen Langis with Mortgage Connection is a mortgage broker who is focused on self-employed mortgages & is passionate about helping Calgary business owners secure the mortgage financing they deserve.
With experience in traditional and alternative self-employed lending programs, Owen understands the challenges entrepreneurs face when qualifying for a mortgage with traditional banks.
He takes the time to listen, simplify the process, and build mortgage solutions that reflect your real financial strength — not just your taxable income.
If you’re a business owner looking for a mortgage expert who is focused on self-employed mortgages and truly understands your world, Owen is here to help you every step of the way.
Do you have questions?
Let's chat.
Serving Calgary And Surrounding Areas
Airdrie | Canmore | Chestermere | Cochrane | High River | Langdon | Okotoks | Olds | Strathmore
Self-Employed Mortgage - FAQ
Can self-employed business owners in Calgary qualify for a mortgage?
Yes — self-employed business owners in Calgary can absolutely qualify for a mortgage. The mortgage process for self-employed business owners can be simple and straightforward. With many self-employed mortgage programs available, self-employed borrowers can oftentimes qualify for a mortgage just as easily as traditional employees.
If you’re self-employed and unsure how your income will be assessed, Owen Langis with Mortgage Connection can help you navigate the best options that are available to you.
How do lenders calculate income for self-employed mortgages in Calgary?
Lenders usually start by reviewing the income showing on your last two years of personal tax returns. For many self-employed clients, that number is lower, and doesn’t reflect their real earning power. To help qualify for a larger mortgage amount, we work with lenders who use tools like add-backs, gross-ups, bank-statement programs, or other options which are designed specifically for Calgary business owners.
What documents do I need for a self-employed mortgage in Calgary?
For a self-employed mortgage in Calgary, 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 lower your taxable income, which sometimes makes it look like you earn less than you truly do — and that can reduce the mortgage amount you qualify for. This is very common for self-employed Canadians. The good news is that many lenders offer specialized self-employed mortgage programs that use add-backs, gross-ups, or alternative income methods to help you qualify for a larger mortgage amount, even with significant write-offs.
Can I get a mortgage with fluctuating or irregular income in Calgary?
Yes — fluctuating or irregular income is completely normal for self-employed business owners in Calgary. Lenders can look at longer income histories (2 year average), business financials, 6-12 month bank statements, or other alternative documents to confirm the income we are able to use on your mortgage application.
💡 Did you know?
Did you know we help Incorporated, sole proprietor & contract business owners in Calgary and the surrounding areas?
Get self-employed mortgage advice today.
Book a call
Feel free to book a call at a time that works best with your busy schedule
owen@mortgageconnection.ca
Send us a message via email
(403) 968-8512
Feel free to give us a call
Do you have questions?
Let's chat.