Private mortgage solution
Self-Employed Private Mortgages
Self-employed borrowers can have strong cash flow but still fail bank income rules. Private lending may provide a short-term solution while income documentation, taxes, or corporate records are organized.
When this may fit
Every file depends on lender review, available equity, property marketability, urgency, documentation, and exit strategy.
- Business-for-self income complexity
- Lower taxable income than actual cash flow
- Recent business changes
- Need for short-term funding before bank refinance
What lenders usually review
Property value, mortgage balance, requested amount, position on title, taxes, strata, credit, income support, use of funds, legal status, and the plan to repay or refinance.
Disclosure: Private mortgage terms vary. Do not rely on a quoted rate or payment until a formal lender commitment and legal review are complete.