Self-Employed Mortgage Broker in Langley, BC
Your tax return tells one story. Your real income tells another. We know how to present both.
If you are self-employed in Langley or anywhere in the Fraser Valley, you already know the frustration. You run a successful business, your bank account proves it, and yet when you apply for a mortgage, the bank looks at your tax return and tells you that you do not earn enough. Your smart tax planning is being used against you.
Here is what makes me different. I am self-employed myself. I completed accounting courses as part of my Bachelor of Commerce. And before becoming a broker, I taught Small Business Lending at a major Canadian bank. I have literally trained the people who assess files like yours. I know how lenders read financial statements because I taught them how to do it.
With access to over 60 lenders, including those that specialize in self-employed borrowers and alternative income programs, I will structure your application to present your real financial picture as clearly and effectively as possible.
Options for self-employed canadians
How I Get Self-Employed Files Approved
Who I Help
Business owners and incorporated professionals. Contractors and tradespeople. Commission sales professionals. Realtors. Consultants and freelancers. Entrepreneurs with complex or multiple income sources. If your income does not fit neatly into a T4, you are exactly who I work with every day in Langley, Surrey, and across the Fraser Valley.
FAQs
Common questions about
self employed mortgages
Can I qualify for a mortgage if I write off a lot of business expenses?
Yes, in most cases. Banks qualify you on declared net income, but I work with lenders who use gross revenue, business bank deposits, or stated income programs instead. Your write-offs reduce your taxes without having to eliminate your mortgage options.
Do I need two years of financial statements?
Most lenders want two years of history, but some alternative programs work with less. I will tell you exactly where you stand based on your documentation before we apply anywhere.
I am incorporated. Does that change my mortgage approval?
It changes how lenders assess your income, and it opens some options while closing others. Some lenders can use retained earnings in your corporation. This is exactly the kind of file where my accounting background makes the difference.
Which lenders are best for self-employed borrowers in BC?
It depends entirely on your income structure. A contractor with strong bank deposits fits a different lender than an incorporated consultant with retained earnings. Matching that correctly the first time is precisely what I do.
Do you help self-employed clients outside Langley?
Yes. I work with self-employed clients across Surrey, the Fraser Valley, Metro Vancouver, and all of BC through secure online applications and video meetings.
Let's look at your numbers together. Call 604-787-5136 or start your application online.
The first conversation is free and you will leave it knowing exactly where you stand.
Resources to help business owners with mortgage financing
Alternative Lending Provides You With Options
If you’re a business owner, you most likely have write-offs that make sense for tax planning reasons but don’t do much for your verifiable income. Learn more about how alternative lenders can offer competitive mortgage products for you.
An Overview of the Home Buying Process
If you’re planning to buy either your first home or your next home, let’s assess your creditworthiness, take a look at your income, plan for a down payment, and nail down exactly how much you can afford to borrow.
GDS/TDS Ratios Explained
One of the major qualifiers lenders look at when considering your application for mortgage financing is your debt service ratios. Learn more about how your gross debt service ratios (GDS) and total debt service ratios (TDS) impact your mortgage qualification.
Fixed-Rate or Variable-Rate Mortgage
If you’re weighing the options between a fixed and variable rate mortgage, consider the penalty incurred should you need to break the mortgage. Learn more here.
Learn more about how credit impacts a home purchase
Credit and Mortgage Financing
Credit is the ability of a customer to obtain goods or services before payment, based on the trust that you will make payments in the future. When you borrow money to buy a property, you’ll be required to prove that you have a good history of managing your credit.
How to Handle Missed Payments
If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, here’s the plan for you to follow.
