All mortgage solutionsSELF-EMPLOYED?

GETTING A MORTGAGE MAY BE EASIER THAN YOU THINK

We Help Business Owners & Self-Employed Professionals Get Approved With Smarter Mortgage Strategies

647 321 8000

The honest starting point

Does your tax return tell only part of your income story?

Business deductions reduce taxable income
Your income varies from month to month
You have been self-employed for a shorter period
A traditional bank has declined

Running a business should not stop you from owning a home.

Strong businesses do not always fit a traditional employee-income checklist.

Why Self-Employed Borrowers Get Declined

Many successful business owners struggle because:

Low personal income due to business deductions
Retained earnings not recognized by banks
Business too new for traditional lenders
High credit utilization despite strong income

None of these automatically mean you can't qualify.

It simply means you may need a different lending strategy.

We Help Self-Employed Clients With

Purchase Financing

Buy your next home with mortgage solutions designed for self-employed borrowers.

Flexible income verification
Alternative income documentation
Business cash flow considered
Alternative lender programs

Mortgage Refinance

Use your home's equity to improve your financial position.

Debt consolidation
Cash-out refinancing
Lower monthly payment strategies
Flexible qualification

Home Equity Line of Credit (HELOC)

Access your home's equity while keeping financial flexibility.

Business expansion
Investments
Renovations
Emergency funding
Interest charged only on the amount you use

Second Mortgage

Need funds quickly?

A second mortgage may allow you to access your home's equity without replacing your current mortgage.

Ideal for:

Business cash flow
Tax payments
Renovations
Short-term financing

Our Mortgage Approval Strategy

Instead of simply submitting applications,

We build a lending strategy.

We work to present your file in the strongest possible way by:

Understanding your business income
Highlighting business cash flow
Reviewing financial statements and supporting documents
Matching your profile with lenders that work with self-employed borrowers
Comparing multiple lending options—not just one bank

Because the right lender can make all the difference.

The process

Our Simple 4-Step Process

FREE Consultation
Tell us about your business and your mortgage goals.
Income & Document Review
We'll review your financial situation and identify the strongest qualification strategy.
Lender Matching
We compare multiple lenders to find the best fit for your profile.
Approval & Funding
From application to closing, we'll guide you every step of the way.

Client experiences

Why They Choose Us

Real feedback from clients who trusted Bharat to guide their mortgage journey.

“I consider him the best mortgage broker in the GTA. This was our second time working together, and both experiences were excellent.”

“Absolutely outstanding experience working with my mortgage broker Bharat. The level of professionalism, knowledge, and dedication exceeded my expectations.”

“Working with Bharat was one of the best decisions we made during our home-buying journey. We truly felt like we were in good hands throughout the entire process. No stress at all from the start till the end of the process.”

“I shopped around for a mortgage with many brokers and banks, but no one came closer to what Mr. Batra offered us.”

“The advice and professional work saved me a lot of problems.”

“Happy with the results. This comes with many years of experience.”

“Bharat helped us get our mortgage approved in no time. He is highly motivated and dedicated to his clients. I will definitely recommend his services.”

“Awesome to deal with, highly professional, and he did a phenomenal job leading me through the process. Excellent guy and, of course, highly recommended!”

“Very courteous and professional, and makes sure that the job is done.”

“Great experience with Bharat. I am a first-time home buyer. Everything went smoothly, and Bharat guided me along the way.”

“I consider him the best mortgage broker in the GTA. This was our second time working together, and both experiences were excellent.”

“Absolutely outstanding experience working with my mortgage broker Bharat. The level of professionalism, knowledge, and dedication exceeded my expectations.”

“Working with Bharat was one of the best decisions we made during our home-buying journey. We truly felt like we were in good hands throughout the entire process. No stress at all from the start till the end of the process.”

“I shopped around for a mortgage with many brokers and banks, but no one came closer to what Mr. Batra offered us.”

“The advice and professional work saved me a lot of problems.”

“Happy with the results. This comes with many years of experience.”

“Bharat helped us get our mortgage approved in no time. He is highly motivated and dedicated to his clients. I will definitely recommend his services.”

“Awesome to deal with, highly professional, and he did a phenomenal job leading me through the process. Excellent guy and, of course, highly recommended!”

“Very courteous and professional, and makes sure that the job is done.”

“Great experience with Bharat. I am a first-time home buyer. Everything went smoothly, and Bharat guided me along the way.”

Helpful answers

Frequently Asked Questions

Select a question to view the answer.

Can I qualify if my taxable income is low?

Possibly.

Many lenders consider additional documentation such as business financials, bank statements, retained earnings, and overall cash flow, depending on the program.

Can newly self-employed borrowers qualify?

Some lenders offer programs for newer businesses, depending on experience, industry, income, and overall financial profile.

Do I need perfect credit?

Not necessarily.

Different lenders have different qualification criteria, and solutions may be available for a range of credit profiles including with bruised credit or consumer proposals filed.

What documents will I need?

Requirements vary by lender, but they may include business documents, bank statements, and proof of other income.

We'll guide you through the process.