Self-Employed Mortgages
Self-employed income is one of the most misunderstood files in mortgage lending. Banks default to your line 150 and stop there. The right strategy uses stated income programs, alternative lenders, business financials, and add-back analysis to present your true financial picture.
Income structuring
Personal, dividend, and corporate income - reviewed and packaged the way underwriters need to see it.
Alternative lenders
When the big banks say no, monoline and B-lender options often quietly say yes - at fair rates.
Two-year planning
If you're 12 months from a purchase, we can plan tax filings now to qualify you for more later.
The Process
How we work together.
- 01Review two years of business and personal financials.
- 02Identify the lender categories that fit your file.
- 03Position the application with full context and documentation.
- 04Close on terms that respect how you actually earn.
Common Questions
Answers, plainly written.
If you've been told 'self-employed is hard,' bring it here for a second opinion.
Book a ConsultationRelated Solutions
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