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Stated-income programs
Qualify based on your business revenue and industry norms when traditional documentation falls short.
Apply OnlineSelf-Employed
Self-Employed Mortgage
Mortgages built for business owners
- Lenders who understand business income
- Stated-income options available
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20+Years of Experience
50+Lender Partners
5K+Happy Clients
4.9★Client Rating
50+Lender Partners
Self-Employed Mortgages
Your business success should count — not just your T4
At AKAL Mortgages Inc., we understand that self-employed individuals and business owners do not always fit the traditional lending box. Whether you are a sole proprietor, incorporated, or paid through dividends, we know how to present your income so lenders see your true earning power.
For Entrepreneurs
Mortgages that fit your business
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Full documentation files
We help assemble Notices of Assessment, financial statements, and bank statements that strengthen your application.
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Competitive rates
Self-employed does not mean overpaying. We match qualified borrowers with lenders offering prime-adjacent rates.
See RatesSteps & Process
Self-employed approval process
We translate your business income into a lender-ready file.
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Free Consultation
Tell us about your goals and we will outline the best self-employed mortgage options for your situation.
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Document Review
We review your income, credit, and property details and match you with the right lenders.
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Compare & Approve
We shop 50+ lenders on your behalf and secure competitive terms tailored to your file.
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Fund & Close
We guide you through signing and funding so you can move forward with confidence.
Mortgage Solutions
We Offer To You
Explore our full range of mortgage products and find the right fit.
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Why You Should Choose AKAL Mortgages Inc.
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Borrowers
- When we say YES! We stand behind our promise
- Mortgage solutions based on your needs and qualifications
- Fast approvals and quick closings
- Save time and money
- Lower mortgage rates due to lender discounts and promotions
- Licensed, knowledgeable and experienced
- Protect your credit score
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Brokers
- The Most Important: Dedication to our agents!
- Bootcamp-3-days: Learn Lead Generation, Products and Underwriting
- Training: Weekly training and industry updates, One on one support
- Mentoring: Specialize in Residential, Business and Commercial
- Lead Generation: Proven successful campaigns to generate leads
- Personal website; mobile Apps; online virtual meetings, e-signatures
- Lenders: VIP access to more lenders and top tier compensation
- Professional office (at no cost to you): Meet your clients at the office
Our Valuable
Awards And Recognitions
AKAL Mortgages Inc. is honoured to showcase recent national awards, reaffirming our commitment to excellence in delivering innovative solutions for consumers and brokers.
Testimonials
Loved by thousands of clients
Bhavjeet at Akal Mortgages is the best mortgage agent, who truly goes above and beyond for his clients, with his expertise and deep knowledge. Always available on phone to answer all inquiries. Highly recommended.
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Zulfiqar Ali✓ Verified Client Review
★★★★★
“I had an excellent experience working with Bhavjeet at Akal Mortgages Inc. He took the time to truly understand my situa…”
BC
Balbir Chera★★★★★
“Bhavjeet was very cooperative and knowledgeable in his field. Highly satisfied with the service provided by him and the …”
AN
Amir Naseer★★★★★
“I thoroughly enjoyed the three-day bootcamp at Akal Mortgages led by Bhavjeet. The practical information and real-world …”
SA
Siddhant Arora★★★★★
“Great service from Bhavjeet at Akal Mortgages — professional, responsive, and made the whole process smooth and stress-f…”
AB
Amar BhullarFAQ
Frequently Asked Questions
Have questions about self-employed mortgage? Our mortgage experts are ready to help with a free, no-obligation consultation.
Contact UsAbsolutely. Many lenders offer programs specifically for self-employed borrowers using alternative income documentation.
Typically 2 years of Notices of Assessment, business financial statements, bank statements, and proof of down payment.
A program where income is stated based on business revenue rather than traditional T4 employment income, subject to lender guidelines.
No. We work with sole proprietors, partnerships, and incorporated businesses alike.
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