      
   5.041 reviews

Self-Employed Mortgage Fort McMurray, AB

Owen Langis is a mortgage broker who is focused on helping Fort McMurray self-employed, incorporated business owners, 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.

See My Mortgage Options

Fort McMurray Hub

100% Free Review • No Obligation • Questions Answered

Owen Langis - Self-Employed Mortgage Expert

Trusted by Business Owners

        Posted on Google  
  
 
   Catherine Marie Young 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent experience with Owen on my refinance from start to finish. Timely responses and updates. He got me a killer rate. Completely stress-free and seamless experience. Highly recommend!!!
  
 
     Posted on Google  
  
 
   Shelley Duret 
 
 
 Trustindex verifies that the original source of the review is Google. Owen was fantastic to work with. Through the entire process he made sure we knew what was going on, what our options were and offered great support in navigating best options for our family. As a double self-employed family, Owen helped us strategize and ensured we got the best possible rate! Would absolutely recommend and will use again upon renewal.
  
 
     Posted on Google  
  
 
   Veronika Bai 
 
 
 Trustindex verifies that the original source of the review is Google. We had an amazing experience working with Owen! He is incredibly knowledgeable, solution-oriented, and truly the best broker we have ever met. Owen guided us through the mortgage process for two properties and made the entire journey smooth and stress-free. Even when we encountered some bumps along the way, he always had a solution and was right there to guide us, explain everything clearly, and patiently answer all of our questions. He walked us through exactly what to do—and what not to do—which gave us full confidence at every step. We truly appreciate his support, professionalism, transparency, and dedication. He made our dream a reality, and we’re confident we’ll be working with Owen for many years to come. Highly recommend!
  
 
 
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Calgary

Edmonton

Alberta

Red Deer

Self-Employed Mortgages in Fort McMurray

Helping Fort McMurray Business Owners Get Approved

Getting approved for a mortgage in Fort McMurray can be harder when you’re self-employed—especially if write-offs make your income look lower on paper.

We help Fort McMurray business owners, contractors, and entrepreneurs qualify with lenders that understand self-employed income.

Whether you work in downtown Fort McMurray, Timberlea, Thickwood, Eagle Ridge, Parsons Creek, or near the Gregoire Industrial Park and other commercial areas or Calgary, Airdrie, we help structure your application to show your true income and mortgage options.

We also help clients in Anzac, Saprae Creek, Fort McKay, Fort Chipewyan, Lac La Biche County, and surrounding communities.

WE WORK WITH FORT MCMURRAY'S TOP SELF-EMPLOYED MORTGAGE LENDERS

TD Canada Trust | Scotiabank | First National | RMG Mortgages | National Bank

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.

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Call or Text

(403) 968-8512

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Email

owen@mortgageconnection.ca

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Schedule a call

Book a call for a time that works best for you

See What Self-Employed Mortgage Option Is Best for You

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.

Access to self-employed mortgage lenders including big banks and credit unions

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 Fort McMurray, we have the expertise and lender network to help with your self-employed mortgage needs.

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Pre-Approval

A pre-approval is the first and most important step when starting the process to purchase your next home.

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Purchase

Buy with confidence knowing you are working with a trusted self-employed mortgage specialist

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First Time Home Buyer

Buying your first home while self-employed can feel overwhelming.
We make the process easy to understand.

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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.

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Renewal

Renewing your mortgage is a chance to review your options.
We compare lenders to help you renew with confidence.

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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.

Business owner standing in front of HydroVac trucks in Calgary Alberta.

Built for self-employed borrowers who don’t fit the bank’s box

We help Fort McMurray business owners who:

Are looking to work with a self-employed mortgage expert

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 & BC

Real Estate Council of Alberta

Mortgage Professionals Canada

BCFSA Agent License: 501380

Serving Fort McMurray and Surrounding Communities

We help self-employed business owners across Fort McMurray, Calgary, Airdrie, Anzac, Fort McKay, Saprae Creek, Gregoire Lake Estates, and surrounding communities 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 business owners in Fort McMurray qualify for a mortgage?

Yes - Business owners in Fort McMurray 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 Fort McMurray?

For a self-employed mortgage in Fort McMurray, 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.