Self-Employed Mortgages
in Vaughan.

A concrete-forming contractor running $2 million of annual work, a fleet owner with six trucks, a Woodbridge family wholesaler — prime underwriting will reduce each to the personal salary line on a T1, average it over two years, and stress-test the remainder. Every equipment write-off, fuel cost, and retained corporate dollar quietly subtracts from the house that approval can buy.

At Vaughan’s roughly $1,150,000 average, that arithmetic fails families who are, by any real measure, prosperous. The correction is qualification by substance: 6 to 12 months of business and personal statements, read through expense ratios that understand construction and logistics margins, with corporate revenue and retained earnings treated as the income they are.

The statement route prices roughly 0.5% to 1% above the lowest prime rates. Weigh it the honest way: the corporate structure’s tax savings recur annually; the premium expires with a one-to-three-year term and a planned refinance toward prime. For most Vaughan owner files, the structure wins the comparison comfortably — and when it doesn’t, we’ll show you that in writing too.

Corporate and personal statements (6-12 months), articles of incorporation, two years of T1s and NOAs with no tax owing, HST returns, and — for construction and logistics — anything that contextualizes deposits: draw schedules, carrier settlements, active contracts. Underwriters approve stories they can follow; we make sure yours reads clean the first time.

From our Brampton office one region over, Vaughan’s builders and operators have been core clients for decades. Forty-plus lenders deep, we know which desks genuinely like construction-sourced income, which programs suit fleet owners, and how to time a statement file so the approval is waiting before the offer goes in. Free consultation, straight answers.