Self-Employed Mortgages
Sunil Patel helps entrepreneurs, freelancers, and business owners across the GTA get approved for mortgages — even without traditional income verification. Access flexible lenders, competitive rates, and expert advice built around your business.
Traditional Lenders Don’t Always Understand Entrepreneurs — We Do.
Banks often turn down self-employed applicants due to fluctuating income, non-traditional documents, or tax deductions. But there are dozens of alternative and B-lenders who specialize in self-employed mortgages — and Sunil works with over 50 of them.
✔️ Access to flexible lenders open to business owners
✔️ Approval options using gross income or add-backs
✔️ Programs for recently incorporated or sole proprietors
✔️ Personalized guidance to navigate documentation
Common Challenges Sunil Helps You Overcome
Low taxable income due to write-offs
Inconsistent or seasonal income
Lack of T4 slips or traditional salary
Being recently self-employed
Previous mortgage declines
What You’ll Need to Qualify
Here’s What Lenders Typically Look At:
6–24 months of bank statements (business and/or personal)
Most recent Notice of Assessment(s)
Business license or articles of incorporation
Credit score and debt servicing ratio
Proof of assets and liabilities
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