Self-Employed & Business Owner Mortgages in Ottawa

You built a business. Getting a mortgage shouldn't be harder than that.

Self-employed people are often told "no" by their bank, not because they can't afford a home, but because their tax returns don't tell the full story. Smart write-offs lower your taxes, and they also lower the income a traditional lender sees.

How I help

• Find lenders who understand business owners. That means banks, credit unions, monoline lenders and alternative lenders that look at income in different ways.
• Prepare your file properly: Notices of Assessment, financial statements, business registration. When your file is presented well, lenders see the full picture.
• Plan ahead. If you're buying next year, we can talk about how your tax filing affects what you qualify for.

Questions I hear most

"How long do I need to be self-employed?"
Usually 2 years, but some lenders have programs for newer businesses.

"I'm incorporated. Does that change things?"
It can. Some lenders consider income kept in your corporation.

"My bank said no. Is that final?"
Not at all. One lender's "no" isn't the market's answer.

Your next step

Let's review your numbers before you apply anywhere. Fewer credit checks, better options. I work with clients in English, Hebrew and Russian.