Self-Employed Mortgages
in Burlington.

Dividends instead of salary. Income split across spouses. Earnings retained corporately for investment or succession. Every one of these is sound planning — and each one shrinks the personal line 15000 a prime lender averages. The borrower who optimized twenty years of tax can find themselves “qualifying” for less mortgage than their adult children.

The alternative reading follows the money instead of the form: corporate statements and financials, dividend capacity, 6-12 months of personal deposits. Lenders on our Alt-A and B panel — and some prime desks, with the right packaging — will recognize structured income at close to its real value when the documentation coheres.

Around a $1,050,000 average — Aldershot to Alton Village, with the lakeshore far above — most purchases here are conventional by definition: 20% minimum down, no insured shortcut, income recognition as the entire contest. On the average purchase that’s roughly $210,000 down financing about $840,000; the derived or structured income must carry that under the stress test.

Alternative pricing runs the familiar 0.5% to 1% above the best prime rates. For established owners we often find the premium phase brief — one filing year of modestly higher declared income, or one set of clean corporate financials, is frequently all that separates the file from a prime refinance.

A Burlington specialty: the owner in wind-down — working part-time, drawing dividends, holding significant corporate or investment assets, and showing almost no “income” a bank recognizes. These files finance well through lenders who weigh assets and dividend capacity alongside statements; occasionally a modest restructuring of draws for a single year opens the prime door outright. Bring the whole picture and we’ll sequence it.

Corporate financials and statements, personal statements (6-12 months), two years of T1s and NOAs with no balances owing, articles of incorporation, dividend records, and — for wind-down files — investment statements. The unifying principle: show the capacity, not just the declared slice of it. Coherence across documents is what converts structure into recognized income.

Since 1988 we’ve placed Burlington’s established owners across the whole ladder — prime with careful packaging, insured business-for-self where the sub-$1M slice allows, statement-based B lending, and asset-aware lenders for wind-down cases. Forty-plus options exist so your structure doesn’t have to bend to one bank’s form. The consultation is free; bring your accountant’s handiwork and we’ll finance around it.