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More Canadians nowadays are deciding to either work for themselves or contract their work out to larger companies. While being self-employed provides many benefits, especially when it comes to writing off expenses, it also presents unique challenges when it comes to qualifying for a mortgage. At True Mortgage we’re self-employed ourselves, and can walk you through how to get the mortgage you need.


Mortgage solutions for the self-employed 

While writing off expenses related to your business is a great way to reduce the amount of personal taxes you pay, it’s a double-edged sword when it comes to trying to obtain or qualify for a mortgage. By showing less income on your taxes — and not having a T4 from an employer — the chartered banks are less likely to take a whole picture or common-sense approach to the lending process. This can result in you either qualifying for a mortgage that is substantially less than you deserve — or not qualifying at all. With True Mortgage though, that doesn’t have to be the case.

We work with you to show lenders the whole picture 

Qualifying for and receiving a mortgage when you’re self-employed requires a whole picture approach, since you may not have a T4 or income statement backed by an employer to show potential lenders you can cover your end of the bargain. At True Mortgage, we’ll work with you to gather all the documentation you need to make a complete and accurate case for the mortgage you deserve. This includes gathering things such as:  

  • Business financials 
  • Personal tax returns 
  • Personal credit history 
  • Corporate registry documentation (to show how long you’ve been in business and that your company is in good standing) 

Once we have all this info, we can start building your case for a mortgage that properly reflects your overall financial picture and ability to satisfy a lender’s requirements.

We have the connections to get you the mortgage you need 

At True mortgage we’ve been cultivating and nurturing our industry connections for nearly 20 years. This allows us to find the mortgage products and lenders who aren’t afraid to take on self-employed clients like you. They trust us and our process  and reward our clients with some of the most competitive rates you can find for someone who is self-employed. Using our whole picture approach, we show potential lenders your entire income overview as opposed to the one that is stated on your personal taxes. By doing this, we open up a whole bunch of new mortgage possibilities that will have you excited to start shopping for your new home.


The True Mortgage process

1. Conversation 

We get to know one another in a friendly and non-committal manner to begin so I can understand your story. Once I know your story, I’ll know how I can best help you. 

2. Goals 

We discuss and figure out what it is you truly want to accomplish. Once we have your goals clearly outlined and defined, I can begin determining how we can best achieve them. 

3. Application 

You fill out an application and we’re officially working together. From here on out you can expect consistent communication, full transparency, and unmatched service.  

Need a mortgage or have a question? 

True Mortgage can help you secure a mortgage at a great rate. For more information on how we can help you get the home of your dreams, contact us by calling (403) 615-4343 or by filling out the form below to book your FREE consultation today. 

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