Val Thibault | Your Cranbook Mortgage Broker
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Being self-employed doesn’t mean homeownership is out of reach — but it does mean the mortgage process can look a little different.
As a mortgage broker in Cranbrook, I regularly help self-employed clients navigate mortgage options that reflect how they actually earn income — not just what shows up on a traditional pay stub.
I work with clients who are:
Business owners
Contractors
Freelancers
Commission-based professionals
Incorporated or sole proprietors
If your income varies from year to year, or doesn’t fit neatly into a lender’s box, there are still options available.
When you work with me, I help you:
Understand how lenders view self-employed income
Prepare documentation in a way that strengthens your application
Explore lenders that specialize in self-employed mortgages
Avoid unnecessary roadblocks or delays
Feel confident about your next steps
My goal is to help you present your situation clearly and find a mortgage that fits your real financial picture.
How to understand what you can afford without maxing yourself out.
It’s a good idea to connect early if:
You’re planning to buy in the next 6–18 months
Your income has changed recently
You’re unsure how much you qualify for
You want to plan ahead intentionally
Early conversations often make the biggest difference.
Your questions about getting a self-employed Mortgage in Cranbrook.
Yes. Being self-employed doesn’t disqualify you — it just means lenders may look at your income differently. There are mortgage options designed specifically for self-employed borrowers.
Lenders typically review income history, tax documents, and business financials. The exact requirements vary, which is why working with a mortgage broker can make the process much smoother.
Not always. While some lenders prefer two years, others are more flexible depending on your overall financial picture. We’ll look at what options fit your situation.
This can include tax returns, notices of assessment, business financials, and bank statements. I’ll walk you through what’s needed and help you prepare everything clearly.
That’s very common for self-employed clients. There are lenders who understand variable income, and we’ll explore options that reflect your real earnings.
Absolutely. Early conversations can help you plan ahead, strengthen your application, and avoid surprises when you are ready to move forward.