Self-Employed Mortgages

Being your own boss shouldn't hold you back from homeownership. I specialize in mortgages for business owners, freelancers, and contractors.

Self-Employed Mortgages

Traditional banks often struggle with self-employed income — especially when you write off significant business expenses. But that doesn't mean you can't get a great mortgage. It means you need the right broker.

I work with lenders who understand self-employed income, including stated-income and bank-statement programs.

Documents Typically Required

  • 2 years of T1 General tax returns (NOAs)
  • 2 years of business financial statements
  • Business registration or incorporation documents
  • HST/GST returns
  • 6–12 months of business bank statements
  • Accountant letter (if applicable)

Why Work With Gagan Luna

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Lenders Who Get It

I work with lenders who specialize in self-employed borrowers.

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Income Maximization

I present your income in the most favorable light while staying fully compliant.

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More Options

From A-lenders to alternative lenders — products designed for business owners.

Frequently Asked Questions

Q: Do I need 2 years of self-employment history?

Most A-lenders prefer 2 years, but some consider 1 year if income is strong and you were previously employed in the same field.

Q: What if my declared income is low due to write-offs?

Some lenders offer stated-income or gross-revenue programs that look at business revenue rather than net declared income.

Q: Will I pay a higher rate?

Not necessarily. With strong credit and a solid financial picture, many self-employed borrowers qualify for the same rates as salaried employees.

Ready to take the next step?

Book a free, no-obligation consultation and let's find the right mortgage for your situation.

Apply Now → Contact Gagan