Why use a Broker for
Self-Employed Mortgages?
Mortgage Options Built Around the Full Financial Picture
If a bank has declined your application based mainly on your Notice of Assessment, other lender programs and documentation approaches may be worth exploring.
Sole Proprietors & Freelancers
Incorporated Business Owners
Contractors and Consultants
Partnership Owners
Traditional Bank
Looks at your NOA
Averages 2 years of declared income
Ignores: Write-offs, retained earnings, business trajectory
An Independent Broker
Learns your Story
Looks at numerous documents, including T1s, T2s, bank statements, and your business financials.
Can identify an income approach that accurately represents your circumstances, subject to lender guidelines and supporting documentation.
Considers the broader picture, including your business trajectory, industry norms and cash flow.