For Business Owners & Contractors
Self-Employed Mortgages
Janice Mejias helps self-employed borrowers in Kitchener-Waterloo and across Ontario get approved for a mortgage using business income, bank statements, and stated-income programs that banks routinely decline.
Call 437-475-4838If you run your own business, you already know the problem. Your income is real, your bills are paid, and the bank still says no because your Notice of Assessment does not look like a T4.
Banks underwrite for salaried employees. Self-employed income, corporate structures, and legitimate write-offs push your file outside their comfort zone. The answer is not to earn differently. It is to work with lenders whose underwriting is built for how business owners actually earn.
What you get
Stated-income programs
Lenders who assess what your business genuinely earns, not only what appears on line 15000.
Bank-statement underwriting
Six to twelve months of business deposits can stand in for traditional income proof.
Corporations and sole props
Incorporated, sole proprietor, or contractor paid by invoice, each has a lender fit.
Two years not always required
Some lenders will work with one year of history, or less with a strong file.
How it works
Income review
A 30-minute call to map how you earn, what you declare, and what lenders will accept.
Lender match
We shortlist lenders from 90+ options whose programs fit self-employed files like yours.
Application and approval
We package the file the way that lender's underwriter expects and manage it to approval.
Common questions
Yes. Lenders in the alternative and B space assess gross business income or bank deposits rather than taxable income. Rates run slightly higher than prime banks, and for most owners the difference is far smaller than the cost of not buying.
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A 30-minute call with Janice Mejias, Mortgage Agent Level 1, FSRA #13669. No fees, no pressure.
Call 437-475-4838