Self-Employed? Find the Perfect Mortgage Solution in Campbell River & Comox Valley

Secure competitive rates and tailored mortgage options with Antonietta Gaudet, your trusted local mortgage broker.

Why Self-Employed Mortgages Are Different—and How I Can Help

As a self-employed individual or business owner, you may face additional challenges when applying for a mortgage. From variable income to tax write-offs, lenders often see self-employed borrowers as higher risk

•    Proving Income: Difficulty due to tax deductions and variable earnings.

•    Higher Down Payments: Stricter requirements compared to salaried employees.

•    Credit Requirements: Strong credit is often essential to securing approval.

Personalized Guidance for Self-Employed Mortgages in Campbell River & Comox Valley

Experience To Help You Solve the Problem

But don’t worry—there are solutions designed specifically for self-employed buyers. With my expertise and access to over 90 lenders, I can help you navigate these challenges and secure the financing you need.

Tailored Mortgage Solutions for Self-Employed Buyers in Campbell River & Comox Valley

Every self-employed borrower’s situation is unique. That’s why I work with you to find a mortgage solution that fits your needs—whether you can prove your income or require alternative financing options.

Income-Proving Mortgages

If you have the necessary documentation to verify your income—such as tax returns or financial statements—you may qualify for competitive rates and terms similar to salaried borrowers.

Key Benefits:

    •    Access to traditional mortgage products.

    •    Competitive interest rates.

Stated-Income Mortgages

For those who cannot fully document their income, stated-income mortgages provide an alternative. These are ideal for borrowers with variable earnings or substantial tax write-offs.

Key Points:

    •    CMHC-insured options available with as little as 5% down.

    •    Approval depends on creditworthiness and reasonable income declarations.

Alternative or Private Financing

If you don’t qualify for traditional financing, alternative or private lenders can help bridge the gap. These solutions offer flexibility when you need it most.

Key Points:

    •    Short-term solutions with higher interest rates.

    •    Often ideal for borrowers looking to prove income or rebuild credit over time.

Set Yourself Up for Success: Preparing for a Mortgage as a Self-Employed Borrower

The mortgage process for self-employed buyers can be more complex, but with the right preparation, you can improve your chances of approval. Here’s how to get ready.

Maintain a Strong Credit Score

  • Check your credit report for errors.
  • Keep credit utilization below 30% of your limit.

Organize Your Documentation

  • Notices of Assessment (NOAs) for the past 2 years.
  • Proof of tax payments
  • Business registration and incorporation documents

Close Joint Accounts and Simplify Finances

  • Avoid potential liabilities that can complicate your mortgage approval.

Work with a Mortgage Professional

  • Help with navigating lender requirements.
  • Guidance on improving eligibility and exploring alternative options.

Frequently Asked Questions

Question not listed below? No problem - reach out and let's talk about it!

You’ll need Notices of Assessment (NOAs) for the past 2 years, tax returns, proof of tax payments, and business-related financial documents like bank statements and incorporation paperwork.

Maintain a strong credit score, pay off outstanding debts, and organize your financial documentation. Working with a mortgage professional can also help identify the best options for your situation.

You can explore alternative or private financing options, which may serve as a short-term solution while you improve your credit or prove your income.

Schedule a consultation Today!

I’m excited to connect with you and support you on your unique journey to homeownership. Helping others navigate their challenges and achieve their dreams brings me immense joy, and I look forward to learning how I can make a difference in your story.

Meet Antonietta Gaudet – Your Self Employed Mortgage Specialist

Expert Advice with Local Knowledge

Antonietta Gaudet is a trusted Mortgage Professional with Dominion Lending Coastal Mortgages, specializing in helping self employed professionals  deal with the mortgage process in Campbell River and Comox Valley. 

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