Self-Employed
Mortgage Programs
There are many different mortgage programs designed for self-employed Canadians, including flexible options for new and growing businesses. If you’re unsure which program fits your situation, I’m here to guide you and make the process simple.
Mortgage Programs Designed For Business Owners
Specialized Programs For Your Mortgage Needs
Different business structures create different qualification challenges. The right starting point is understanding how income reaches you and how lenders are likely to view it.
Incorporated Mortgage
For business owners running their finances through a corporation, with income structured differently than a typical paycheque.
New Business
For entrepreneurs in their first years of self-employment, before two full years of tax returns are on file.
Alternative Programs
For self-employed borrowers who don't fit conventional lending boxes but still qualify with the right approach.
Income Gross-Up
For self-employed borrowers whose reported income looks lower than what they actually take home.
Income Addback
For business owners whose write-offs and deductions reduce taxable income without reducing real cash flow.
Stated Income
For self-employed Canadians whose income is harder to document through traditional tax returns alone.
Business Bank Statement Program
For business owners who can show strong cash flow through bank deposits rather than a T4.
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
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