Self-Employed Mortgages in Squamish
Clear guidance for self-employed buyers navigating variable or business income.
Little-known ways to renew and save
Most banks look at self-employed income in a very rigid way.
We take a different approach, structuring your application based on how lenders actually evaluate self-employed borrowers behind the scenes.
How Income Is Assessed
The difference comes down to how your income is evaluated.
Employed
- Salary or hourly income
- Recent pay stubs
- Employment letter
- T4s
Self-Employed
- Tax returns
- Business financials
- Bank statements
- Overall business stability
Mortgage Solutions for the Self-Employed
Flexible options built around how your income actually works.
First-time buyers, moving or upgrading, buying with variable or business income.
Accessing equity for business or investments, debt consolidation, adjusting to income changes.
Switch lenders, re-qualify under your current income, secure a better option at renewal.
Who We Help
We work with a range of self-employed borrowers across different industries and income types.
Business Owners
- Retail & service-based businesses
- Professionals, agency owners & consultants
Contractors & Trades
- Builders, electricians, plumbers
- Renovation & construction contractors
Freelancers & Creatives
- Photographers & videographers
- Designers, developers, marketers
Commission-Based Professionals
- Real estate agents
- Sales professionals
What Documents Are Needed?
Most lenders will ask for a combination of the following:
Income & Tax Documents
- Last 2 years of personal tax returns (T1 Generals)
- Notices of Assessment (NOAs)
- Business income statements (T2125 or corporate returns)
Business Financials
- Profit & loss statements
- Balance sheet (if incorporated)
- Financials showing revenue and expenses
Bank Statements
- Personal and/or business bank statements
Business Verification
- Business license or registration
- GST/HST returns
Down Payment or Equity
- Proof of down payment
- Equity details
Why Work With Paul Hudson?
Experience with self-employed borrowers
25+ years working with self-employed borrowers. We know how to position your application for approval.
More options, better chances of approval
Independent advisors with access to 50+ lenders, including flexible options beyond the banks.
Work directly with Paul
You work directly with Paul from start to finish. No handoffs.
A Clear Path To Approval
A clear and straightforward process, guided from start to finish.
1
Initial Consultation
We review your income, business structure, and goals to understand your situation and identify the best path forward.
2
Strategy & Application
We structure your application, gather the right documents, and match you with the most suitable lender.
3
Approval & Closing
We guide you through approval, finalize details, and ensure everything is in place for a smooth closing.
Award-winning Squamish Mortgage Broker
Meet Paul Hudson
Paul Hudson, principal of Paul Hudson Mortgage Wealth, is an award-winning Mortgage Broker with over 20 years of professional experience.
Paul founded Paul Hudson Mortgage Wealth with the bold vision to inspire people to achieve their wealth potential through mortgage opportunities.
Your Local Mortgage Experts
Serving Towns & Cities Across the Province
We service across British Columbia including:
Frequently Asked Questions
When should I speak to a broker if I’m self-employed?
Information coming soon…
Can I qualify if my income looks low due to write-offs?
Information coming soon…
Will I have to pay a higher interest rate?
Information coming soon…
What if I’ve been declined by a bank before?
Information coming soon…
How do lenders calculate income for self-employed borrowers?
Information coming soon…
Talk With a Local Broker
A no-obligation consultation to help you understand your options and outline your best path forward.