Mother with her son lying on the floor and drawing while their father working on laptop sitting on sofa they are in the living room

Self Employed

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Getting a Mortgage When You’re Self-Employed

If you’re a self-employed borrower, you may have heard a lot of discouraging information from lenders. Getting a mortgage if you’re self-employed is easier than you think.

Why choose
Mortgage Okanagan

Banks can be quick to judge self employed
loan applicants. Mortgage brokers, on the
other hand, are used to doing business with
non traditional applicants. 

  • Different banks have different guidelines for self-employed applicants, so having more than one choice is always a good option.
  • Getting a mortgage while self-employed doesn’t have to be painful. With a little more explanation and information, I’ll make it easy for you.

How to qualify

Getting a self-employed mortgage doesn’t have to be difficult or impossible. When you are self-employed there are a lot more options available. I will let you know when we talk what options may fit your situation and what will be needed from you.

Happy young family. Father, mother and daughter outside of their new home

Good to know


Whether you are a sole proprietor or incorporated, there are more options than you would think for getting approved for a mortgage.


The general guideline for being self-employed with an “A lender” is that you need two full tax returns with taxes paid to qualify for a mortgage.


If you make a lot more income than you claim personally, and you have the right amount for a down payment, then there is usually an option to get approved.

Resources for Self Employed Borrowers

Begin the Approval Process

Fill out the pre-approval application today.