Self-Employed Mortgage Broker in the GTA
If you write off your income, banks don’t know what to do with you. I do.
Being self-employed is great for your lifestyle and terrible for your mortgage application. You pay yourself through dividends, write off as many expenses as you legally can, and your line 150 income looks tiny — which makes the big banks nervous. That’s not a problem with you; that’s a problem with how banks stress-test files.
I’m Kevin Singh Dhaliwal, a GTA mortgage broker with 12+ years of experience placing self-employed files. I work with A lenders who have self-employed programs, alt-A lenders with flexible income rules, and my own private network for the trickiest files.
How Self-Employed Mortgages Actually Work
- A lenders (banks): Usually want 2 years of T1 Generals, plus business financials. Some have “stated income” programs for established self-employed borrowers.
- Alt-A lenders: More flexible — they look at bank statements, gross revenue, or add-backs for write-offs. Rates slightly higher than A.
- Private lenders: Equity-based lending. Limited income docs. Best for short-term or transitional files.
I’ll look at your actual income picture — not just line 150 — and place you with the tier that gives you the best rate for your situation.
What I’ll Ask For
- 2 years of T1 Generals + Notices of Assessment
- 2 years of business financials (if incorporated)
- 6–12 months of business bank statements
- Articles of incorporation or business license
- Current list of contracts or client roster (if applicable)
- Proof of down payment
The more organized you are, the more lenders I can confidently shop your file to.
Why Work With Me
- 12+ years placing self-employed files in the GTA
- Relationships across A, alt-A, and private lenders with self-employed programs
- Deal structuring to present your real income picture, not just line 150
- Honest advice on whether to keep aggressive tax write-offs or show more income to qualify for better rates
- Speed — I know which lenders actually fund self-employed deals quickly
My Process
- Discovery call — 20 minutes, no cost. Tell me about your business and your income structure.
- Income review — I look at your tax returns, business financials, and bank statements to build a lender-friendly income picture.
- Lender matching — I shop your file to the lenders most likely to approve at the best rate.
- Approval and close — I stay with you through appraisal, conditions, and funding.