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Danny Bell - Premiere Mortgage Centre Inc.

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Canada
Port Perry, ON
Danny Bell - Premiere Mortgage Centre Inc.

Premiere Mortgage Centre Inc. Brokerage License #10317
Each Office is Independently Owned and Operated

Let me simplify the whole process of getting the mortgage that's right for you! I'll have Canada's leading lenders compete for your mortgage, then I'll provide unbiased advice so you get the mortgage that's right for you!

05/28/2026

If you're self-employed and wondering how lenders assess your mortgage application, here's a straightforward breakdown.

Lenders don't use your revenue. They use your net income as declared to the CRA — averaged across your last two years.

Here's what most lenders will want to see:

Two years of T1 General tax returns and Notices of Assessment from CRA. Evidence of business operation. Two full years of self-employment history. Bank statements to show consistent cash flow.

If you run through a corporation: salary vs. dividends affects how income is calculated. Both work, but documented differently.

Self-employed mortgages are more documentation-heavy, but they're very achievable.

strictly-business.ca

05/25/2026

SELF-EMPLOYED? Your income isn't the problem.

Being self-employed gives flexibility and opportunity. But it can also make mortgages feel complicated.

The challenge usually isn’t income. It’s how that income looks on paper.

Most business owners work with accountants to reduce taxable income and save taxes (which makes sense). The downside is that lenders qualify based on reported income, not always what you actually earn or live on.

That’s where planning and strategy matter.

WHAT MANY PEOPLE DON'T REALIZE

There’s more than one way to structure a self-employed mortgage.

Depending on the situation, some lenders may consider:

- Adjusting your reported income by adding back expenses or applying a “gross-up”
- Using a reasonable "stated income" based on your overall financial picture
- Factoring in retained earnings within your business
- Using bank deposits to estimate income
- Looking at assets, savings or net worth
- Using projected professional income for certain professions like doctors, lawyers, accountants, etc.

The right approach depends on how your business and finances are structured.

THE GOOD NEWS:

Being self-employed doesn’t mean you can’t qualify. It simply means the strategy matters more than a salaried employee.

If you’re planning to buy, refinance, or renew in the next 1-2 years, it’s worth understanding your options early.

IN A QUICK CONVERSATION, WE CAN USUALLY COVER:

- Your target purchase range
- Income needed to support it
- Possible improvements before applying
- Which lenders may fit best

Feel free to reach out to book an appointment:
289-200-9061
[email protected]

05/17/2026

Happy Victoria Day weekend! 🌿

Rocky and I have had the trails outside Port Perry pencilled in for a while now. The May long weekend is officially the start of trail season around here, and there's no better way to kick it off.

Wishing you a great long weekend, wherever it takes you.

— Danny

05/10/2026

🌸 Happy Mother's Day to every mom who figured it out as she went and made it look easier than it was.

The patience, the quiet sacrifices, the million small things that never make the highlight reel — all of it matters. Today, we slow down and say thank you.

— Danny

05/07/2026

💡 Your mortgage lender is not on your side at renewal time.

That is not a criticism — it is just how the system works. When your renewal letter arrives, your lender is counting on one thing: that you will sign and move on. They are not obligated to offer you their best rate. They are betting on inertia.

Here is what most homeowners do not realise: renewal is the single most powerful moment in your mortgage. It is your opportunity to renegotiate your rate, restructure your terms, consolidate higher-interest debt, and set yourself up better for the next term.

And here is what surprises people most — working with an independent mortgage broker at renewal costs you nothing. There is no fee. There is no obligation. It takes less time than you think, and the savings you lock in compound for years.

Your lender will send that renewal letter. What you do next is your choice.

Make an informed one.

🌐 strictly-business.ca

05/04/2026

🏠 Most people think of their mortgage as one thing: the payment that covers the roof over their head.

But a mortgage is also one of the most powerful financial tools you have — and most homeowners are not using it that way.

Here is what I mean. If you are carrying credit card debt at 19–24%, a car loan at 8%, or a line of credit that never seems to shrink — those balances are costing you significantly more than your mortgage rate.

Refinancing to consolidate that debt into your mortgage does two things:

✅ It dramatically reduces the interest you are paying overall
✅ It simplifies your monthly obligations into a single, manageable payment

It is not the right move for everyone. There are conditions and trade-offs worth understanding before you decide. But for a lot of homeowners, it is a conversation worth having — especially heading into a renewal.

If your finances feel stretched right now, let's look at the full picture together.

📞 289-200-9061

04/29/2026

The numbers first: BoC overnight rate held at 2.25%. Third consecutive hold of 2026. Variable rate mortgages and HELOCs — no change to your payment.

Now the opinion part, for Durham Region and GTA homeowners.

Fixed rates are not the BoC's call. They track Government of Canada bond yields, which have been moving independently all year. If you have been waiting for a rate announcement to tell you where fixed rates are going — you are watching the wrong indicator.

Renewals: your lender is going to reach out. Their number is priced to keep you — not to give you the best available rate in the market. One independent comparison is worth the 20-minute call.

55+ homeowners: a hold environment is a reasonable time to look at reverse mortgage options without the noise of a rate-cut cycle. Worth a conversation if you have been curious.

Straight answers. No pressure.

289-200-9061 | strictly-business.ca

04/15/2026

⏰ April 30th is coming up fast — and if you haven't filed your taxes yet, now's the time to get moving.

For anyone self-employed, that deadline matters more than most. Your Notice of Assessment is one of the key documents lenders want to see when you apply for a mortgage. Staying on top of it keeps your options open.

A few things worth having ready before you file:

✔ T4s and T1 generals (last 2 years)
✔ NOAs from CRA
✔ Business income statements if self-employed
✔ Any rental income documentation

The cleaner your paper trail, the smoother your mortgage conversation. If you're thinking about buying, refinancing, or renewing in 2026, getting your tax docs in order is one of the best first steps you can take.

Questions about what lenders actually look for? Let's talk. 📲 289-200-9061

• •

04/10/2026

🏠 Big news for anyone considering a new build in Ontario.

As of April 1, 2026, the provincial and federal governments have removed the full 13% HST on eligible newly built homes — and it's in place until March 31, 2027.

Here's what that means in real numbers:

✔ Homes up to $1M → full HST eliminated, saving up to $130,000
✔ Homes up to $1.5M → still qualify for the full $130,000 rebate
✔ Homes up to $1.85M → partial rebate, down to approximately $24,000

A couple of important things to know: this applies to new construction purchased directly from a builder — not resale homes. And the clock starts with your purchase agreement, which must be signed between April 1, 2026 and March 31, 2027.

Less tax means a lower purchase price, a smaller mortgage, and less interest paid over the life of your loan. For the right buyer, this is a genuinely significant opportunity.

If you're thinking about a new build, let's run the numbers together. 📲 289-200-9061

• •

04/05/2026

🐣 Wishing you and your family a wonderful Easter weekend.

Whether you're spending it around the table with people you love or sneaking an extra chocolate egg when no one's looking — I hope it's a great one.

From my family to yours, happy Easter! 🐰

• •

Address

15176 Simcoe Street
Port Perry, ON
L9L1J8

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm

Website

http://www.strictly-business.ca/

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