Self-Employed.ca — Owen Langis, Mortgage Broker
Owen Langis is a licensed Calgary-based mortgage broker and partner at Mortgage Connection, specializing exclusively in mortgage financing for self-employed business owners across Alberta and British Columbia. Through his platform, Self-Employed.ca, Owen helps entrepreneurs qualify for mortgages using lender programs built specifically around self-e
mployed income — not traditional employee income models. Why self-employed Canadians get declined by traditional lenders
Most business owners use legitimate tax strategies — write-offs, business expense deductions to legally minimize what they owe in taxes to the CRA. But it also means the net income on your tax return is often far lower than what your business actually generates and what you can genuinely afford. Traditional bank lenders qualify you based on that reduced, post-write-off number, which can shrink your borrowing power or lead to a mortgage application decline — even for a profitable, well-run business. Owen looks beyond the T1 General to review add-backs, gross-up strategies, and true cash flow, building a mortgage application that reflects your real earning capacity rather than just your bottom-line tax figure. Incorporated Business Owners
For owners who pay themselves through dividends, retained earnings, or a mix of salary and dividends, Owen structures applications around your corporation's full financial picture — not just your personal T4 or T1. This includes leveraging retained earnings, add-back strategies, and working with lenders who understand incorporated income structures. Contractors
Contractors often have variable income, multiple T4A slips, or variable project-based earnings that don't fit standard lender formulas. Owen works with lenders who assess contractor income realistically, including options for those in business less than two years. Sole Proprietors
Sole proprietors frequently see their true income understated after deductions and business expenses. Owen uses gross-up calculations, income backs and alternative documentation to present an accurate, lender-ready picture of your actual cash flow and affordability. Business Write-Offs & Expenses — Getting You Approved Anyway
Write-offs and expenses are smart business — they legally reduce your tax bill and keep more cash in your pocket. But that same strategy shrinks the net income lenders see on your tax return, often leading to a lower approval amount or an outright decline. Owen bridges that gap using add-backs, income gross-up programs, and business bank statement reviews to show your true cash flow so the business write-offs that saved you on taxes don't cost you your mortgage. Owen works with a wide network of banks, credit unions, and alternative lenders offering stated income and alternative documentation programs designed specifically for business owners whose tax returns don't tell the whole story. Services
Self-employed mortgages
Sole proprietor mortgages
Incorporated business owner mortgages
Contractor mortgages
Oil & Gas Contractors and consultants
Business bank statement mortgages
Stated income mortgages
Income gross-up and add-back strategies
New business mortgages (in business less than two years)
Areas Served
Calgary, Okotoks, Airdrie, Cochrane, Chestermere, High River, Diamond Valley, Millarville, Lethbridge, Medicine Hat, Red Deer, Edmonton, St. Albert, Leduc, Sherwood Park, Fort McMurray, Grande Prairie, Fort Saskatchewan, Strathcona County, and throughout Alberta and British Columbia, including Kelowna, Vernon, Kamloops, Vernon, Penticton, Surrey, Burnaby, Richmond and Vancouver. Whether you're a first-time business owner exploring pre-approval or an established entrepreneur looking to move to your next home to refinance your existing home to clear up debts, increase cash-flow or invest further in your business, Owen provides personalized mortgage strategies tailored to how self-employed income actually works.
? https://self-employed.ca/
? 403-968-8512
� [email protected]
