Self-Employed Mortgages in Alberta

Mortgage Solutions for Business Owners and Self-Employed Professionals

Overview

Being self-employed offers flexibility and control, but qualifying for a mortgage can be more complex. Income structure, tax planning, and lender guidelines all play a role in how your application is assessed.

We help self-employed individuals across Alberta navigate these challenges and secure mortgage solutions that reflect their true earning capacity.

Why Self-Employed Mortgages Are
Different

Many self-employed borrowers legitimately reduce taxable income through business expenses, which can make traditional bank qualification more difficult.

We work with lenders that understand self-employed income and assess applications using a broader view, including:

• Business financials and income trends
• Stated or adjusted income programs, where appropriate
• Personal and business credit profiles
• Down payment strength and overall financial position

The focus is on sustainability and consistency, not just what appears on a single tax line.

What We Review With Self-
Employed Clients

Every self-employed situation is unique. We take the time to review:

• How your business is structured (sole proprietor, corporation, contractor)
• Income history and stability
• Tax returns and financial statements
• Mortgage options that align with both your business and personal goals

This allows us to identify the right lenders and structure the application properly from the start.

Why Planning Ahead Matters

Self-employed mortgage applications benefit greatly from early planning.

A proper review before you buy or refinance can:

• Reduce delays during approval
• Identify documentation requirements early
• Avoid unnecessary stress once an offer is accepted
• Improve lender confidence in your application

Next Steps

If you’re self-employed and planning to buy, refinance, or renew in Edmonton or anywhere in Alberta, we’ll help you understand your options and create a clear path forward.