Tailored Mortgages for Barrie Entrepreneurs
Stated Income Programs
Qualify based on actual bank statement cash flow rather than net taxable income after business write-offs.
Gross-Up Income Privileges
Lenders add back business expenses, depreciation, and corporate distributions to boost your qualifying income.
Sole Proprietors & Corporations
Customized application pathways for contractors, incorporated professionals, trades, and small business owners.
Streamlined Documentation
Simplify paperwork with 6 to 12 months of business bank statements instead of multi-year tax audits.
Competitive Bank Rates
Access prime interest rates with top institutional lenders who understand self-employed accounting.
Dedicated Broker Support
We present your financial story effectively to lender underwriters to ensure smooth, rapid approval.
Getting a Mortgage When You Work for Yourself in Barrie
As a self-employed business owner or independent contractor in Barrie, your tax accountant works hard to minimize your net taxable income. Unfortunately, traditional mortgage algorithms look at line 15000 on your Notice of Assessment, making you appear as though you earn far less than you actually do.
The Stated Income & Alt-A Advantage
We work with specialized lenders who evaluate self-employed applicants holistically. By examining overall business turnover, bank deposits, and industry stability, we help you qualify for the home loan you truly deserve without sacrificing tax efficiency.
Build Your Business & Own Your Barrie Home
We make mortgage approvals simple for self-employed Canadians. Talk to Kenlock Mortgage today.