Self Employed Mortgage Solutions That Work for You
Being self-employed comes with freedom, flexibility, and financial independence — but it can also bring challenges when applying for a mortgage. Traditional lenders often prefer straightforward income documentation like pay stubs or T4s, leaving many self-employed Canadians feeling left out. At Velocity Mortgages, we specialize in helping entrepreneurs, contractors, and small business owners secure the financing they deserve.
Why Self Employed Canadians Face Mortgage Challenges
When you’re self-employed, your income may fluctuate month to month or year to year. Even if your earnings are strong, conventional banks often struggle to interpret your financial situation beyond what’s on paper. They focus heavily on declared income rather than actual earnings, which can make it difficult to qualify for a traditional mortgage.
That’s where alternative and private lending come in. These flexible options allow lenders to take a more complete look at your financial health — including business cash flow, retained earnings, and overall stability — rather than just your taxable income.
How Velocity Mortgages Helps
At Velocity Mortgages, we make getting approved simpler for the self-employed. Our team has access to both traditional lenders and private lending partners, which means more options and greater flexibility.
We take the time to understand your full financial picture, whether you run your own business, freelance, or work on contracts. Our goal is to match you with the right lender, competitive rates, and repayment terms that align with your goals.
With nearly two decades of combined experience, we’ve helped countless self-employed Albertans and Canadians get approved — even when the banks said no.
Tailored Lending Solutions for Real Life
Our process is transparent, straightforward, and built around your schedule. We handle:
Mortgage pre-approvals for self-employed borrowers
Refinancing to lower payments or access equity
Debt consolidation to simplify multiple obligations
Private mortgage options when traditional lenders can’t help
No matter your income structure or credit history, our approach is fast, focused, and flexible — designed to help you move forward with confidence.
Take the Next Step
If you’re self-employed and looking for a mortgage in Edmonton, Alberta, or anywhere across Canada, Velocity Mortgages is here to help. Apply online today or contact our team to discuss your options and discover how flexible lending can work for you.
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