Your Tax Return Shows $70K. You Earn $140K. We Know the Difference.
Banks qualify you on line 15000 of your tax return. We qualify you differently—on what your business actually makes. Self-employed mortgages. Real rates. Real support. 48-hour approval.
48-hour approval when banks say no
As little as 1 year in business (if strong deposits)
Flexible qualifying criteria (not just tax returns)
Last 12 months of business + personal bank statements. Last 2 years tax returns. Contract or proof you're still earning (pay stubs, invoices, YTD statement).
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We Figure Out Your Best Option
Self-employed? Contractor? Small business owner? We know which lenders will say yes. Let me call you and we'll figure out the best path — rates, terms, timeline, all of it.
3
You're Pre-Approved
48 hours: pre-qualification letter. Rates 5.5-6.5% (B-lender) or as low as 4.1% (A-lender if 2+ years history). Close in ~10 business days.
Why Self-Employed Owners Win With Me
You've built a business. You deserve a broker who gets it. I work with lenders who understand self-employed income. One call = access to options banks never offered.
48hrs
Pre-qualification (or less)
5.5-6.5%
B-lender rates (vs. "no")
Recover hidden income
Not just your tax return. I look at your actual business income. Call me and we'll figure out the best approach.
Direct access to real lenders
I work directly with lenders who specialize in self-employed. No gatekeeping. Same-day callback (3pm-9pm).
Ridiculously fast
Same-day callback (3pm-9pm). 48-hour pre-qualification. ~10 days to close. Your business moves fast. So do we.
Real self-employed expertise
Fully licensed broker. FSRA #M25001203. Mortgage Alliance #10530. This is what I do. Fully accountable.
Client reviews
What Self-Employed Owners Say
"RBC said no because my tax return showed $75k after deductions. William added back vehicle expenses, home office, meals—qualified me at $92k with Equitable. Rate 5.9%, approved in 48 hours, closed in 10 days. Should've called him first."
— Marco T.
Restaurant owner · Ottawa · Got approved
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