Self-Employed and Struggling to Get a Straight Answer on Your Mortgage?
I help Canadian business owners, contractors, consultants and gig workers get mortgage approvals, renewals and refinances that actually reflect how they earn—without sugar-coating the numbers.
Approvals even with complex or “messy” income
Options when banks say “no” or “come back next year”
Access to lenders who actually understand business owners
No lectures. No pressure. Just straight answers.
You Work Hard. Your Mortgage Approval Should Reflect That.
Banks often say “no” because they don’t understand:
Fluctuating income from contracts or seasons
Business write-offs that lower your taxable income
Multiple revenue streams (side gigs, corporations, partnerships)
Not having a traditional 9–5 salary
Credit dips from investing back into your business
None of this automatically means you can’t get approved.
It usually just means your file hasn’t been presented properly.
You don’t need to change who you are as a business owner.
You need someone who knows how to translate your real income story into lender language.
I’ve Helped Hundreds of Self-Employed Canadians Get Approved
With 30+ years in lending, including years inside major banks — I know exactly how lenders look at self-employed income and where good files get misunderstood.
My job is simple:
Take the real story behind your numbers and package it so the right lenders can say “yes” with confidence.
20+ years specializing in unique / non-traditional mortgage cases
Access to 50+ business-friendly lenders across Canada
Experience with contractors, freelancers, gig workers, incorporated professionals and family businesses
I’m not here to impress your bank manager.
I’m here to protect your approval and your cash flow.
How We Get You Approved — Even When Banks Say No
Step 1 — Business & Income Review
We walk through how you actually earn money — not just the reduced taxable number on your return. (Yes, you can keep your write-offs.)
Step 2 — Lender Matching
We match you with lenders who specialize in self-employed files and are comfortable with complex income.
Step 3 — Income Presentation Strategy
We structure your documents to highlight stability, history, and strength — so your file looks like an opportunity, not a risk.
Step 4 — Fast, Clear Answers (Often Within 24–48 Hours)
You get a clear “here’s what’s possible” so you can write an offer, refinance, or plan your next move with confidence.
No obligation. If it's not a fit, I'll tell you straight.
Perfect For Self-Employed Canadians Who:
Don’t fit the traditional “full-time employee” box
Have strong gross income but low taxable numbers
Were declined or low-balled by their bank
Need alternative options that still make long-term sense
Want to buy, refinance, or consolidate debt without guessing
If you’ve ever thought, “I make good money — why is this so hard?”
This page is for you.
Free Self-Employed Mortgage Approval Strategy Session
100% Private. Reviewed personally by Lucia.
In one free 20-minute session, you’ll walk away with:
A realistic range of what you can qualify for today
The best lender paths for your situation
A simple checklist of what to do next — whether we move forward now or later
If your renewal or purchase is within the next 6–12 months, this is your best window to see what’s truly possible — not two weeks before closing.
Quick call. Clear options. You decide what happens next.
Real Approvals for Real Self-Employed Clients
What You’re Dealing With Now… vs. What You Get With a Proper Strategy
Banks asking for endless paperwork
A customized approval strategy with only what’s actually needed
Anxiety about inconsistent income
Lenders who understand seasonal and contract-based income
Confusion over what “counts” as income
Clear, realistic qualification numbers in plain language
Feeling punished for being self-employed
Confidence, options, and a plan that respects how you run your business
Self-Employed Mortgage FAQ
Do I need two full years of tax returns?
Not always. Some lenders accept bank statements, contracts, T4s, accountant letters, or business financials. It depends on your profile and how we position your file.
Can I qualify if my taxable income looks low?
Yes. We look at your gross income, add-backs, and lender-specific programs that recognize write-offs. The key is matching you with the right lender.
What if another bank already declined me?
Happens all the time. A decline at one place doesn’t mean you’re un-approvable. It usually just means the wrong lender or the wrong presentation.
Can multiple income streams count?
Yes — when they’re documented and structured properly. Side gigs, corporate income, contract work… we just need to package it clearly.
How fast can I get an answer?
Most clients receive clear direction within 24–48 hours once documents are in. If we need more time, I tell you — I don’t disappear.
You Built Your Business. Now Let’s Build Your Future.
Self-employment shouldn’t be something you get punished for.
With the right strategy, it can actually work in your favour.
If you’re tired of guessing what you qualify for — or being told “no” by someone who doesn’t understand your world — let’s fix that.
Quick call. Clear Opions. You decide what happens next.
My mission is simple: make self-employed financing clear, manageable, and as stress-free as possible. With 20+ years in mortgage lending, 18 years in banking, and access to 50+ lenders, I’m here to protect your cash flow and your best interests — not the bank’s. You get honest advice, clear options, and a plan that fits your real life.
Mortgage Architect License Number - 12728
Contact Lucia Gugliuzzi