Self-Employed Mortgage in Vancouver with HELOC Flexibility
- Business income used
- KPI 1
- HELOC access secured
- KPI 2
- On-time smooth funding
- KPI 3
self-employed mortgageVancouver mortgagebusiness owner mortgageHELOCCanadian mortgage case study
Buying a primary home in BC & Alberta (business owners + self-employed)
Get a pre-approval that holds up-and a clean plan to closing.
If your income is salary + dividends, draws, or irregular, "what you qualify for" is not a quick rate quote. I translate your situation properly, match you to the right lenders, and keep the file clean from offer to funding.
30-minute call. Bring your rough purchase budget + down payment plan + how you pay yourself (salary/dividends/draws).
Licensed Mortgage Agent (BC, AB) - Funded over $200M - 5-star Google rating
What I can Help With
Purchase strategy + realistic pre-approval
A clear read on what is doable, what is risky, and what lenders will actually accept-before you write offers.
Packaging business-owner income properly
We translate salary/dividends/draws, write-offs, retained earnings, and growth so your file does not get misunderstood.
Offer-to-close execution
Condition timelines, document flow, lender coordination, and a clean path to funding-without last-minute surprises.
About Michael Browne
I help business owners get mortgages approved when the situation is more complex than a simple paystub. You will get clear options you actually qualify for, then a clean process to closing.
I advise first, then I execute. If something will be a problem, you will know early-along with the best way to handle it.
What working with me looks like
You can start two ways, depending on how sure you are.
Option 1: Full review upfront
If you want the clearest answer without the back-and-forth stress later, we gather documents up front and do a full review early-so your purchase plan is built on real underwriting.
Option 2: Start light, then go deeper
If you are not sure it is worth the effort yet, we start with the minimum needed to give a real answer. If it looks promising, we go deeper to finalize the best options and move fast when you find the right home.
Ready for real options?
Get a clear recommendation in writing-before you write offers.
Start with a 30-minute call. If it is doable, we will map the cleanest path to approval and closing. If it is not, you will know why and what would need to change.
Why this works
Most purchase stress comes from uncertainty and last-minute surprises-especially when income is non-standard or the down payment has moving parts.
We reduce that by being clear upfront about what matters, what can break, and what a lender is going to focus on when the full file is reviewed.
Before you commit, we walk through the important details, conditions, and tradeoffs in plain language-so there are no confusing moments when you are under a deadline.
Business-owner situations that often need proper translation:
- Your personal income looks low on paper because you run things tax-efficiently
- Write-offs make taxable income look weak even though cash flow is strong
- Income is uneven or growing fast, so simple averages miss the real picture
- Multiple corporations, management fees, shareholder income, or retained earnings that need to be shown cleanly
- Trusts or holding-company structures where the paperwork is correct, but lenders need it explained properly
- Bank statements and business financials show a strong business, but the story needs to be packaged clearly so it does not get misunderstood
That is why we review items like your T1s, Notices of Assessment, business financials (when needed), and often bank statements-so we can build a clean, consistent story lenders will accept.
Not sure where you stand? Let us get you clarity.
Book a 30-minute call and I will tell you what looks doable, what looks risky, and the cleanest next step-so you can shop with confidence.
Past client case studies
See how business owners got approved in real situations.
Equity Take-Out for a New Real Estate Investor in BC
- Readvanceable structure secured
- KPI 1
- $100k investment capital
- KPI 2
- HELOC limit optimized
- KPI 3
self-employed mortgageequity take outreadvanceable mortgageHELOCreal estate investorBritish Columbia
Common questions business owners have
Do you charge fees?+
Most standard mortgages do not involve a broker fee paid by you. If a situation requires a fee-based option, you will know that upfront before we go any further.
What if I am already talking to my bank or another broker?+
That is fine. I can either sanity-check what you are being told, or put a second option beside it so you can make a clean decision. If you decide to proceed with someone else, you can still keep the plan.
What documents do you need from me?+
We will give you a checklist based on your situation. Common starting points are your last 2 years T1 Generals and Notices of Assessment, plus either business financials or T2s if needed. Bank statements are often helpful for showing the real cash flow picture.
Can you get me a pre-approval letter to shop with?+
If you are buying, yes-when it makes sense for your timing and the lender path. The goal is a letter that holds up when the full file gets reviewed, not a piece of paper that falls apart later.
Can I get a mortgage if I am self-employed?+
Yes. The key is translating your situation properly and choosing lenders who understand how business owners get paid.
Can I use business funds for my down payment?+
Sometimes, yes. It depends on the paper trail and how funds move. We will map it cleanly and coordinate with your accountant if needed.
How will my business income be assessed for a purchase?+
Lenders mainly care about what shows up in your personal income and how stable the picture is. My job is to translate your situation clearly, show what matters, and package it so it does not get misunderstood.
What if my structure is more complex, like a trust or multiple companies?+
That is common. The paperwork can be correct and still confuse a lender if it is not explained properly. We package the story cleanly so it is easy to approve.
Still have a question?
Send a quick note and we’ll reply within one business day.
Want a clear answer without weeks of limbo?
Start with a real conversation and a clear plan.
Either we find a clean path quickly, or we map what would need to change so you can decide what is worth doing-before you waste time writing offers that do not match your real approval.