Sai Lee - Self-Employed Mortgage Specialist

Sai Lee - Self-Employed Mortgage Specialist Ontario Mortgage Agent helping incorporated self-employed Canadians qualify for mortgages using business income.

08/28/2026

High utilization hurts your score more than a hard pull ever will. You can have perfect payments and pay on time. Doesn't matter.

A hard pull recovers in weeks. High utilization doesn't, because the bureau reports it fresh every cycle.

Self-employed people get hit with this constantly, running the business off personal cards and never paying it down. Then they go to fund and find out their credit score has tanked, and end up paying a higher rate, even with a perfect payment history.

08/27/2026

If you're self-employed and smart, you're optimizing your personal income to be as tax-efficient as possible. Unfortunately, this works against you when you apply for a mortgage.

The good news is, there is a way you can double your mortgage approval. Watch the video for an explanation.

If you want to see the video on how this works, comment VIDEO, and I’ll send you the link.

08/26/2026

There are better things to do with your business revenue than to use it to pay off your mortgage.

Check out this video for the math breakdown.

08/25/2026

More and more self-employed people are turning to flexible solutions. Bank mortgages are not as flexible as you think they are.

Self-employed people keep personal income low on purpose. Then they're told that's why they can't borrow. Pretty backwards.

We are seeing an upward trend in alternative solutions every year.

08/24/2026

There's more than one way to qualify for a mortgage when you're self-employed.

The first way: traditional banks rely on personal tax returns, which isn't always easy for people like us.

Second way: there are lenders who don’t need your personal tax returns and will use your business income to qualify you for your mortgage. No need for personal tax returns. It’s easier, faster, and done by regulated financial institutions.

Comment VIDEO and I’ll send you the link.

06/30/2026

There’s a better way than using your T4 income to qualify for a mortgage

06/26/2026

Me being uncomfortable

06/25/2026

This makes or breaks your refinance.

Chasing the lowest mortgage rate when you're self-employed can cost you more than it saves.Disclosure: The numbers here ...
06/23/2026

Chasing the lowest mortgage rate when you're self-employed can cost you more than it saves.

Disclosure: The numbers here are examples, not your file. This is not tax or financial advice. I am an Ontario mortgage agent, not an accountant, so check tax matters with a licensed professional. Approval and rate depend on a full application and lender review.

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Kitchener, ON

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