Self-Employed or Run Your Own Business? You Still Deserve the Right Mortgage.
You work hard, you take risks and you build something real. Yes, we can get you a mortgage that reflects that.
Your income may look different, but that does not mean you do not qualify
Entrepreneurs and self-employed professionals often feel like they have to jump through hoops just to get a mortgage. Banks do not always know how to read your income properly.
You are not the problem. The system is just built for someone with a T4 and a 9-to-5. That is where I come in.
With 25+ years in the financial services industry, including years as a financial advisor, I understand how business income works. I know how to read between the lines, present your application clearly and match you with lenders who get it.
What I look at (that most brokers miss)
The true story your financials tell, not just what is on line 15000
How to use add-backs like business expenses, depreciation or retained earnings
Creative solutions like stated income or grossing up your income
Strategic use of your corporation or holding company
Working with your accountant or planner to make sure the plan fits your tax strategy
This is for you if
You run your own business or are self-employed
Your income looks "low on paper" but your cash flow is strong
You have been told "no" or only shown high-rate options
You want a real strategy, not just a quick pre-approval
You want someone who speaks your language and respects what you have built
Real Kristi case in point
I worked with a client who had just finished dental school and was stepping into her own practice as a self-employed contractor. Traditional lenders struggled to understand her income.
I used a lender program that allows projected income based on her profession, and I worked with her accountant and financial planner to make sure we took advantage of the First Home Savings Account and the RRSP Home Buyers' Plan.
The result? She got into her first home, and built a solid foundation for her future.
The Kristi process for self-employed clients
1. Book a discovery call
Let us talk about your business, your goals and what you are working toward, not just the numbers.
2. Review your documents together
I will help you understand how lenders view your income, and where we can strengthen your file.
3. Build a custom mortgage strategy
Whether you are incorporated, drawing dividends or using retained earnings, I will build a plan that supports your situation.
4. Work with your team
If you have an accountant, financial advisor or bookkeeper, amazing. I love working as a team to make sure your mortgage fits the bigger picture.
5. Navigate the approval with confidence
No stress. No scrambling. Just a well-prepared file and clear communication all the way to closing.
You built your business. You deserve a mortgage that respects that.