Required Documentation
Secure a mortgage tailored for self-employed individuals with customized solutions and flexible criteria
Required Documentation:
Income Tax Returns:
At least two years of personal and business tax returns.
Business Financial Statements:
Profit and loss statements, balance sheets.
Bank Statements:
Personal and business bank statements for the past 6-12 months.
Areas of Expertise
Customized Mortgage Solutions:
Flexible Loan Structures: Offering tailored mortgage solutions that accommodate irregular income streams and fluctuating business revenues. This includes structuring loans with flexible payment schedules or interest-only options during lean business periods.
Business Financial Review: Conducting a thorough review of your business financials to present a clear picture of your financial health to lenders. This involves analyzing business profitability, cash flow patterns, and stability to strengthen your mortgage application.
Income Verification Solutions:
Alternative Documentation Options: Providing expertise in alternative income verification methods suitable for self-employed individuals, such as bank statements, profit and loss statements, and tax returns. This helps demonstrate your income stability and affordability to lenders.
Stated Income Programs: Exploring stated income mortgage programs that allow you to state your income without traditional proof, based on your business revenue and financial history.
Tailored assistance is just a step away!
Avtar Khurmi
Level 2 Mortgage Agent
Meet Avtar Khurmi, a seasoned mortgage professional whose depth of experience and commitment to excellence make him a trusted ally in your homeownership journey. With a proven track record of success, Avtar has helped numerous clients achieve their dreams of owning a home by providing expert guidance and personalized solutions tailored to their needs. As a proud member of Mortgage Alliance, a respected institution with over 20 years of serving Canadians, Avtar brings a wealth of industry knowledge and resources to every client interaction. His dedication to staying abreast of market trends and regulations ensures that each mortgage solution he crafts is optimized for long-term financial stability. Leverage my expertise today, and let’s turn your homeownership dreams into reality.
Self Employed
Let my expertise help you.
Testimonials
Tom & Lisa
"Avtar guided us through the process and we successfully bought our dream home despite being self-employed."
Rachel
"As a self-employed freelancer, I thought getting a mortgage would be impossible, but Avtar helped me secure financing with ease."
Apply for a Self-Employed Mortgage