Self-Employed Mortgages — Mohr Mortgage

Being your own boss shouldn’t work against you when it comes to getting a mortgage — but traditional lending criteria aren’t always built with self-employed income in mind. That’s where the right lender match makes all the difference.

The challenge with standard lending

Banks often rely heavily on line 150 of your tax return — which, after deductions, can understate what you actually earn. That can mean a lower approval than your real financial picture supports.

How I help

Lender matching. I work with lenders who understand self-employed and business-owner income, including stated-income and alternative-documentation programs.
Document strategy. Guidance on what to prepare — tax returns, Notices of Assessment, financial statements — to present your strongest case.
Honest expectations. A clear picture of what you’ll likely qualify for before you start shopping.

If you run your own business and traditional lending feels like a poor fit, let’s talk through your options.

Common questions

Can I get a mortgage if my tax returns show a low net income?

Often, yes. Some lenders offer programs that look at gross business income or add back certain deductions. We'll find the lenders who fit your real financial picture.

How much documentation will I need?

More than a salaried employee, typically — usually two years of tax returns, financial statements, and proof your business is active and in good standing.

Is it harder to get approved as self-employed?

It's different, not necessarily harder. The key is working with a broker who knows which lenders are genuinely self-employed-friendly.