Being self-employed doesn't mean mortgage approval is harder—it just means you need to present your case differently.
Lenders want to see:
✓ 2 years of consistent or growing income (T1s, NOAs, business financials)
✓ Strong personal credit score
✓ Lower debt-to-income ratio
✓ Clear business structure (sole proprietor, incorporated, partnership)
Pro tips from our team:
• Keep detailed business records year-round
• Avoid large unexplained deposits or withdrawals
• Consider incorporating if you're operating as sole proprietor
• Build your credit proactively
The reality? Many self-employed clients get approved faster than salaried employees when they're prepared. We've helped thousands of entrepreneurs, contractors, and business owners secure mortgages at competitive rates.
Your business success should translate to financial success. Let's make that happen.
Ready to explore your options? Contact us today.
Sandhu & Sran Mortgages | Abbotsford | Surrey | Edmonton
www.sandhusranmortgages.com