Self-Employed Mortgage Solutions in Toronto
Business owners and contractors often don’t fit the bank’s standard income box. I help Structure mortgages around how you actually earn.
✔ Contractor & Commission Income
✔ Incorporated Business Owners
✔ Alternative Income Programs
✔ Serving Toronto & the GTA
Why Banks often Decline Self-Employed Applicants
Traditional lenders typically qualify borrowers using:
Line 150 net income
two-year averages
Standard T4 employment
If you:
Write off expenses
Have fluctuating income
Retain earnings in your corporation
Your income may appear lower on paper than reality.
This is where structuring matters.
Structure Makes the Difference
When reviewing self-employed files, I look at:
Gross vs net income
Stated income programs
Lender-specific flexibility
Corporate retained earnings
Alternative lending options if needed
I work with multiple lenders to find solutions tailored to business owners.
No Pressure. Just Clarity.
Let’s Review Your Income Properly
It takes just a few minutes to get started.