Your Income Is Real. Let's Prove It.
Self-Employed Mortgages
Traditional banks often struggle with non-traditional income. Jay leverages stated income programs, alternative documentation, and niche lenders to get business owners approved without the runaround.
Is This Right for You?
You're self-employed and your declared income on tax returns doesn't reflect what you actually earn
You own a business that's been operating for 2+ years but banks keep asking for documentation you can't easily provide
You're a contractor, freelancer, or gig worker with variable income that traditional lenders don't understand
You've been told you need to declare more income on your taxes before you can qualify, but you don't want to wait two years
You run multiple businesses or have income from various sources that need to be combined for qualification
What's Included
Stated income and alternative documentation programs
Business-for-self (BFS) specialist lender access
Tax optimization strategy that doesn't hurt your application
Multi-entity income aggregation
Bridge financing for business owners
Ongoing relationship for future financing needs
The Process
How It Works
Free Income Assessment
Jay reviews your business structure, tax returns, and actual income to determine the best program and documentation strategy for your situation.
Program Selection
Based on your profile, Jay selects the right program — traditional BFS with full documentation, stated income with a reasonable down payment, or an alternative lender solution.
Document Preparation
Jay tells you exactly what documents to gather and how to present your income. No guesswork — just a clear checklist tailored to the chosen program.
Lender Submission
Your file is submitted to the lender best suited to your income type. Jay positions the application to highlight your strengths and address potential concerns upfront.
Approval & Conditions
Once approved, Jay walks you through conditions and coordinates any outstanding items — from accountant letters to business licence verification.
Closing & Future Planning
After closing, Jay advises on how to structure your finances for easier approvals on future purchases, renewals, or refinancing.
Key Details
BFS Programs
15+
Alt. Lenders
20+
Min. Business Age
2 yrs
Consultation
Free
Documentation
What You'll Need
T1 General tax returns (2 years) including T2125 Statement of Business Activities
Notices of Assessment (2 years) from CRA
Business licence, GST/HST registration, or articles of incorporation
Business bank statements (6-12 months) showing revenue deposits
Accountant-prepared financial statements or letter confirming income (if available)
Government-issued photo ID and proof of current address
Requirements
Eligibility
Minimum 2 years of continuous self-employment history
Valid business licence, GST registration, or articles of incorporation
Down payment of 10-20% depending on the program (stated income typically requires more)
Acceptable credit history (minimum 600-680 depending on lender and program)
Ability to provide a reasonable income declaration supported by industry benchmarks
Calgary & Alberta Advantage
Alberta has one of the highest rates of self-employment in Canada, with Calgary's energy, construction, and professional services sectors driving significant entrepreneurial activity. This means Alberta-based lenders and credit unions — including ATB Financial and Servus Credit Union — have more developed Business-for-Self (BFS) programs than you'll find in many other provinces. Jay's relationships with these local lenders, combined with national BFS specialists, give self-employed Albertans access to 15+ distinct programs. Alberta's lack of a provincial land transfer tax is especially beneficial for self-employed buyers, who often face higher interest rates or fees on alternative programs. The savings at closing — often $5,000-$15,000 compared to purchasing the same home in Ontario — can be redirected toward a larger down payment, which in turn unlocks better rates and more program options.
Common Questions
Frequently Asked
Ready for Clarity?
Book a free consultation with Jay to discuss self-employed mortgages strategy for your situation.
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