Self-Employed Solutions

Defining Self-Employed

Self-employed is when an individual works for themselves instead of working for an employer that pays a salary or a wage. A self-employed individual earns their income through conducting profitable operations from a trade or business that they operate directly. Self-employed individuals generally include independent contractors, sole proprietors, and those with partnerships in businesses. Those who are self-employed will often find accessing personal financing through a traditional lender to be impossible as most banks state that proving income and income history for them is too difficult when income has been declared at low levels. Self-employed individuals often use a mortgage broker to arrange their mortgage financing.

Providing access to funds for the self-employed

More and more Canadians are choosing a self-employed lifestyle and working for themselves rather than an employer. With this lifestyle comes excitement and reward, but also some downfalls when it comes to obtaining personal financing. Big banks often refuse to provide mortgage financing to the self-employed, as proving their current, past, and future income can be difficult.

Luckily, Shane and his team work with a wide range of trusted lenders, including banks, credit unions, monoline lenders, trust companies, and private lenders, who provide quality mortgage products for the self-employed, offering great low rates and benefits to suit their lifestyle. New and existing entrepreneurs and self-employed individuals can contact Shane now to see how he can help with their mortgage.


Many Canadians have successful small business ventures and would not trade the lifestyle for anything in the world. However, many begin to question their lifestyle and business choices when they first attempt to obtain financing for their home, or even something as simple as a new credit card or vehicle. The nature of self-employment income can sometimes leave the self-employed looking like risky borrowers, even though they may actually have a more stable source of income than those who are working 9 to 5 for an employer. Shane and his team are here to help the self-employed.

As someone who is also self-employed, Shane understands the challenges this lifestyle brings and he and his team work tirelessly to obtain financing where possible for those who declare self-employment income, regardless of their credit score and history. Delivering the highest standard of excellence in service, Shane will work with you to understand your business and financial situation, as well as your financial goals for the future. He will then work with a large pool of lenders to determine the best mortgage product for you with a great low rate and benefits suited to your lifestyle.

  • Proving self-employment income and income stability for years to come can be difficult for new business owners. Shane can help you with financing.
  • Shane and his team understand the challenges of obtaining personal funding for those with self-employment income and helps clients to overcome them.
  • Working with a wide range of local and regional lenders, Shane and his team have access to an array of lenders and mortgage products that suit your lifestyle and provide great low rates with exceptional benefits tailored to you.
  • Shane has access to lenders and mortgage products that not only offer finance for the self-employed with their primary residence, but also vacation homes.
  • Obtaining a mortgage if your self-employed has never been easier with Shane and his experienced team. Being experienced in entrepreneurship and self-employment, Shane understands your situation and is ready to help,

Shane can help with your mortgage

Whether you’re curious as to what you could afford or already ready to hit the streets looking for your next dream home, contact Shane now for a mortgage pre-approval which will outline your options with total mortgage amount and interest rates.

Benefits for Self-Employed Clients

Expert Opinion on Income Declaration

Shane and his experienced team can help you compare the cost savings between declaring a higher income, therefore paying higher income tax, versus saving on income tax and paying slightly higher interest rates.

Working to Understand your Business

Before finding you the best mortgage for your unique financial situation, Shane and his team take the time to understand your business and professional and entrepreneurial goals, as well as personal finances.

Lenders Specialized in Self-Employed Clients

As mortgage experts, Shane and his team work with an array of lenders who specialize in assisting self-employed clients obtain the best mortgage financing possible, understanding and overcoming challenges.

Don't let living your dream stand in the way of a mortgage

Working hard to have the business of your dreams shouldn’t exclude you from also having the home of your dreams. Shane works with self-employed clients to help them overcome lending challenges that are often a roadblock to financing for those with self-employment income.

As someone who has spent many years self-employed, I understand the thrill of operating a successful small business and also the challenges that can sometimes come with it. As your mortgage partner, my team and I are dedicated to helping you overcome these challenges and work to obtain your best mortgage financing with the best rate and product tailored just for you and your unique financial situation.

― Shane Osmond, Mortgage Professional