Self-employed, commission-based, or variable-income? Different lenders review your file differently. Book a free call and find out what's actually possible for you.
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If your bank already told you no, I want you to hear this before anything else. A bank saying no does not always mean it is impossible. It often means that bank only has their own products and their own way of looking at income.
We had a self-employed client who had been banking in the same place for years. They were told no. No explanation. No alternative. Just a hard no.
What the bank did not explain is that different lenders look at self-employed income in different ways. Some use stated income. Some average two years. Some look at gross business revenue. We reviewed the file, found a lender that fit their situation, and got them approved for the home they wanted.
I cannot promise that outcome for everyone. But I can tell you that one bank's answer is not always the final answer. Book a call and let's look at your specific situation.
Lending options depend on income documentation, credit, equity, business structure, and lender guidelines. No approval, program, or outcome is guaranteed.
15 minutes. No obligation. Just a straight conversation about your income, your situation, and what lenders may actually work with you.
One long-time client had banked with the same institution for years. When they applied for a mortgage, they were told no, with no explanation and no alternative offered. After a full review of their business income, we found a lender that assessed their situation differently. They moved forward with the home they wanted.
Every file is different, and outcomes vary based on income, credit, and lender guidelines. But a single bank's answer is rarely the only answer available.