Specialized Mortgages for Self-Employed & Complex Income
Your Income Is Real. Your Mortgage Should Be Too.
You’ve built something — a business, a career, a client base. Your income reflects that effort. But when it comes time to apply for a mortgage, traditional banks often reduce your financial story to a T4 slip and a pay stub — documents you simply don’t have.
You may have run into roadblocks, frustrating declines, or offers that don’t reflect your actual financial strength.
Brett Mirtle is a Kamloops mortgage broker who works specifically with self-employed borrowers, incorporated professionals, contractors, and anyone whose income doesn’t fit neatly into a bank’s standard approval checklist. The goal is straightforward: present your income accurately, match you with the right lender, and secure financing at competitive rates.
Why Self-Employed Borrowers Get Declined — And How Brett Fixes That
Most mortgage declines for self-employed applicants aren’t about financial weakness. They’re about presentation. Banks and monoline lenders evaluate income differently, and a self-employed borrower who qualifies comfortably with one lender may be declined by another using the same numbers.
Brett understands how lenders read business financials, retained earnings, T1 Generals, and NOAs — and he knows how to structure your application so your qualifying income is presented in the strongest, most accurate light possible. That means fewer surprises, faster approvals, and mortgage terms that actually reflect your position.
Self-Employed & Complex Income Mortgage Solutions
Brett works with self-employed borrowers, incorporated professionals, contractors, investors, and anyone whose income requires a more thoughtful lender strategy.
Self-Employed Borrowers
Whether you’re a sole proprietor, freelancer, tradesperson, or small business owner, Brett works with lenders who have genuine experience underwriting self-employed applications — not just tolerating them.
Incorporated Income
If you pay yourself through a corporation, your income picture involves dividends, salary draws, retained earnings, and business financials. Brett knows how to present incorporated income in a way that lenders understand and accept — maximizing your qualifying income without misrepresenting your finances.
Commission & Bonus Income
Variable income from commissions, performance bonuses, or contract work is often discounted or ignored by lenders using standard qualification methods. Brett identifies lenders who factor these income sources in fairly — so your real earning power is reflected in what you can borrow.
Rental & Investment Income
Own rental properties? Income from those assets can work in your favour — if it’s presented correctly. Brett incorporates rental and investment income flows into your mortgage application strategically, strengthening your overall qualification profile.
You've Worked Hard to Build Your Income. Let's Make It Work for You.
Self-employed borrowers in Kamloops and across BC face more friction in the mortgage process — but they don’t have to face it alone. Brett Mirtle has helped contractors, business owners, incorporated professionals, and investors cut through that friction and secure the financing they deserve.
Before you assume you don’t qualify, let’s review what you actually have to work with.