Sai Lee - Self-Employed Mortgage Specialist

Website

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

10/14/2026

If you’re self-employed and looking for a mortgage, and you show a lower personal income, watch this video.

This is the key to unlocking more borrowing power if you need the extra funds.

10/12/2026

Self-employed and need cash from your home, but you don't want to break your current mortgage?

If the bank told you no because your personal income is too low.

We can use your business income instead.

We leave your existing mortgage as is and put an alternative equity line behind it.

Want to know how this could work for you? Comment below and I'll reach out to chat.

10/08/2026

Self-employed and your bank said no?

It's not just about your business. It's the person looking at your file.

Most bank staff have never been self-employed. They only have one or two ways to read self-employed income. If your file doesn't fit, it's a no. Then you wait weeks, and you start over.

You wouldn't see your family doctor for heart surgery. Don't send your self-employed file to someone who is great at opening chequing, savings, and investment accounts.

Send this to a self-employed friend who got turned down by their bank.

10/07/2026

Before you hand over a single document, ask the lender this: "I'm self-employed. How will you verify my income?"

If the answer is only your personal tax returns, and your tax return shows a low income, you'll likely get a small approval or a decline.

Don’t waste your time. Look for a lender that will include the money you paid yourself, plus business cash flow.

Save this if you’re looking for a mortgage.

10/05/2026

A good business doesn't mean a mortgage approval.

Big banks read your personal tax return. Alternative lenders read your business.

If you're self-employed and a bank said you don't qualify for enough, DM me the word BUSINESS and I'll look at your file.

If you're self-employed and pay yourself a lower income to save on tax, a big bank will qualify you for a smaller mortga...
10/01/2026

If you're self-employed and pay yourself a lower income to save on tax, a big bank will qualify you for a smaller mortgage. That's how they're set up.

Some lenders look at your business bank statements instead, and your business usually brings in more than what you pay yourself. That can mean you qualify for more. Swipe through to see how it works.

Save this for when you need it, share with a self-employed friend.

09/30/2026

Stop paying yourself more money just to chase a lower rate.

Banks reward people who pay a lot of personal tax. That works when you have a job. It works against you when you're self-employed and writing off what you're allowed to write off.

As a self-employed person, you need a different way to qualify your income.

Some lenders skip your personal tax return. They look at your business bank statements instead.

Share this with someone else who is self-employed.

09/28/2026

Self-Employed. What's the best down payment? Which one increases your chances of getting approved, and what’s the difference between the three?

09/25/2026

Self-employed and your income looks too low to the bank? There's a way around that. Comment below for the breakdown.

09/23/2026

Got a private mortgage? Before you funded that mortgage, the person who put you there should have provided you with a plan to get you out.

If they didn't, you're not in a mortgage, you're on a countdown.

Your income decides whether you can exit. Not your available equity.

Before you renew again, find out what income number actually gets you free.

Comment below and I'll send you the two things that determine if you qualify for a refinance.

Address

Kitchener, ON

Website

Alerts

Be the first to know and let us send you an email when Sai Lee - Self-Employed Mortgage Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category