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Self-Employed? We have a mortgage for that!

General Angela Calla 20 Sep

Often times we get calls or emails from those who are disappointed …they spoke to the bank directly on what options are available to make a home or investment property purchase.

Let’s take a look at “why” this happens ( more of a breakdown in my book for purchase here)

Every Bank in Canada only has a few options which may, or may not include what you need as a borrower.

It’s impossible for every lender to have every product!

Simply put,  it’s most likely they just don’t have the product you require for your acquisition.

The good news is: You have options!

Canadians have access to mortgage professionals to provide you the power of choice to decide what works best for your financial plan and timelines.

Self Employed Mortgages are generally allocated by lenders in 3 ways

      1. Net Income Grossed up 15 percent

  1. Stated Income- derived in-between the gross and the net income by review of financials and add backs – there are a handful of banks ONLY accessible by mortgage brokers that specialize in this lending
  2. Private Lenders- who look more at the equity, credit and actual property for security as a whole for you to obtain your ownership goals.

Redirection can lead to to pauses where we end up finding pauses.

We have dedicated the last 20 years to educating clients directly on this, speaking for influencing partners such as accountants, book keepers, financial planners and lawyers and most recently instructing for local real estate boards in addition to the media.

If you or a loved one want personalized mortgage advise for you or a group you represent please email us directly at

Angela Calla is an 19-year award-winning woman of influence which sets her apart from the rest. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code, Angela educates prospective home buyers by providing vital information on mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at or at 604-802-3983.Click here to view the latest news on our blog.