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Self-Employed Mortgages

15% of all Canadians are self-employed. Every year self-employed individuals approach me for mortgage financing. Mortgage financing is definitely a little bit different than if you have a salary or an hourly income.

There are many self-employed people in Edmonton, Sherwood Park, Leduc, Beaumont, Devon, or St. Albert

Answering All Your Questions About Self-Employed Mortgages

I'd love to talk to you about how I can put a self-employed mortgage together for you or at least explore the options to see if this is a fit.

Asking Questions About Your Business

Getting a Self-Employed Mortgage

One of the first things I’ll ask is more about your business. Are you a sole proprietor or are you incorporated? Do you take dividends or do you pay yourself a T4? There'll be many, many different questions that I ask to find the exact lender to fit your situation. And there are many different options!

Other Things to Know About Self-Employed Mortgages

Some lenders will allow you to state your income so instead of proving it through tax returns, we can actually state a reasonable amount without having tax documents to support it. That requires a 10% down payment, but it is available. 


One of the key parts of doing a self-employed mortgage is there must be no tax arrears on the notice of assessment. So your income taxes must be paid in full, showing on the notice of assessment. 


My Amazing Clients

Karen is a keeper! Someone you want working on your side! She has helped me get on the right path to owning my own home. As a single mother and small business owner, Karen has been able to ease my worries and point me in the right direction. I will use her services and wisdom now, and in the future. I highly recommend her skills, knowledge, and services to anyone. Thank you Karen for being the best at what you do!


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