Personal Mortgage
Mortgages for business owners buying, refinancing, or restructuring.
You run a business. Your income is complex. This page is the hub for how we structure mortgages around your actual numbers—not just what shows up on a T4.
Who this is for
Business owners whose numbers don’t fit a simple salary box
You're self‑employed, incorporated, or run a growing business in BC or Alberta. On paper your income looks low because of good tax planning, but the business is strong. You need a mortgage strategy that respects both.
Instead of trying to shove everything into a T4-style view, we look at the full picture—dividends, retained earnings, corporate cash, and where you want the business to go next.
Scenarios I help with
Buying your first home as a business owner
Maybe everyone has told you it's “too hard” to qualify because you're self‑employed. In reality, it's about understanding how your income is structured and which lenders are comfortable with that story.
We review how you pay yourself, your taxes, and existing documents to map out what you can qualify for now—and what might improve things over the next 6–24 months.
Buying your next home while running a business
Already own and thinking about the next place? Timing and cash flow matter more than a simple “sell vs keep” answer.
We look at your current mortgage, equity, and business cash flow to design a plan—porting, bridge financing, refinances, or a mix—that lines up with your move and your pipeline.
Investment properties and rental strategies
Investment property financing is less about one rental and more about your bigger plan. We cover how lenders treat rental income, how retained earnings and dividends can support qualification, and how to think about corporate vs personal title.
Refinances, equity access, and tax‑efficient structure
Equity can be a tool—to fund growth, invest in new assets, or consolidate debt. The key is matching the mortgage product and structure to your business and tax strategy, not just grabbing the first refinance that qualifies.
How we work together
- Review your current income, tax structure, and goals.
- Map out what you can qualify for today—and what might improve things over the next 6–24 months.
- Build a mortgage strategy around your business structure, not the other way around.
- Assemble the right documents and package your file for the lender.
Ready to talk through your numbers?
Let’s map out your mortgage options around your business.
We’ll look at your income, structure, and goals—and build a plan before you ever sign an application.