Jayden Backs Mortgage
Self-Employed Mortgages in Calgary, AB
A mortgage that understands business income — for contractors, owners, and the self-employed.
- Lenders that understand business and self-employed income
- A realistic look at what your numbers actually support
- Guidance on the documents that make an application strong
- Options beyond the big banks' rigid income rules
If you work for yourself, you already know the frustration. Your business is healthy and the work keeps coming, but a bank’s income box doesn’t fit how you actually get paid. My wife runs her own business too, so I’ve had a front-row seat to this one. The good news: plenty of lenders do understand self-employed income. The trick is knowing which ones, and presenting your numbers the right way — which is exactly what my team and I do all day.
Why the banks say no
Big banks lean hard on your line 150, the net income after expenses on your tax return. Smart business owners write off every legitimate expense they can, which pulls that number down and, in a bank’s eyes, pulls down what you can afford. It isn’t a fair picture of your real cash flow, but a rigid lender won’t look past it.
How we approach it differently
My team and I work with lenders who take a fuller view of a business owner. Depending on your situation, that might mean applying a reasonable add-back to your stated income, looking at your business bank statements, or weighing the strength of your whole profile rather than one line on a return. Because we compare the entire market, we can point you to a lender whose rules actually fit a contractor, an incorporated owner, a commissioned salesperson, or a gig worker.
Documents that make a strong case
A clean, well-organized application makes all the difference. Usually that means two years of personal tax returns and notices of assessment, business financial statements or T1 generals, proof your business is active, and confirmation of your down payment. We’ll tell you exactly what to pull together and help you present it in the best light.
Let’s review your situation
Working for yourself shouldn’t cost you a fair shot at a mortgage. Call (587) 815-5161 or book a free consultation, and my team and I will give you an honest read on where you stand.
Self-Employed Mortgages: common questions
Can I get a mortgage if I am self-employed?
Yes. Many lenders work with self-employed borrowers. The key is presenting your income clearly through tax documents, notices of assessment, and business financials, and choosing a lender whose rules fit how you are paid.
How many years of self-employment do lenders want to see?
Most lenders prefer two years of self-employment history, since it shows your income is stable. Some will consider less with a strong overall picture, which is where comparing lenders really helps.
Will I pay a higher rate as a self-employed borrower?
Not necessarily. If your income is well documented you may qualify for the same rates as anyone else. Rates only tend to rise when income is harder to verify, and even then my team and I shop for the best available option.
Areas I cover
Jayden Backs Mortgage helps with self-employed mortgages across Calgary , Airdrie , Cochrane , Chestermere , Okotoks , Crossfield , Carstairs , Didsbury , Olds , Innisfail , Red Deer , High River , Nanton , Claresholm , Fort Macleod , Lethbridge , Edmonton , St. Albert , Sherwood Park , Spruce Grove , Stony Plain , Leduc , Beaumont , Fort Saskatchewan , Fort McMurray , Grande Prairie , Cold Lake , Lloydminster .
Let's talk about self-employed mortgages
Book a free, no-obligation consultation with Jayden Backs Mortgage — licensed advice and dozens of lenders, all in your corner.
Call (587) 815-5161