Business for Self: YES, You Can Get a Mortgage!

Small Biz, Big Dreams: Turning Your Hustle Into Homeownership

(Best Mortgage Broker Belleville | Mortgage Refinancing | Mortgage Renewal)

Did You Know?

💼 98% of Canadian businesses are small companies

📊 Over 1.29 million small businesses employ 10+ million Canadians

😟 But more than 20% worry about cash flow

⚠️ And 70% fail due to management challenges

Small businesses drive Canada’s economy, but when it comes to buying a home or refinancing a mortgage? Things can get... complicated.

🏡 Business Owners: You Can 100% Own a Home—Here’s How

Running your own business takes guts. Planning your mortgage should take strategy. Whether you’re eyeing your first home, a mortgage renewal, or thinking about refinancing—your business success can open mortgage doors.

✅ Plan Your Mortgage Financing Like You Plan Your Business

Just like you wouldn’t launch a business without a plan, don’t wing your mortgage either:

Pay yourself consistently—regular income makes lenders happy
Separate business and personal finances
Track everything—clean income and expense trails = smoother approvals

📅 Stay On Top of Your Taxes

Late remittances or CRA debt can delay—or completely block—your mortgage deal.

👉 Pro Tip: Partner with a solid bookkeeper or accountant. They’ll help you stay compliant and mortgage-ready.

💬 Let’s Talk Sooner, Not Later

You don’t need to have it all figured out—that’s my job. Whether you're just exploring options or ready to apply, the best mortgage strategies start with a conversation.

📞 Call Cheryl at 613-969-7655

📧 cheryl.hartwick@mortgageedge.ca

Let’s create a mortgage game plan that works with your business—not against it.

🧾 Business Structure Matters

Sole prop, incorporated, or partnership—each impacts how lenders view your file.I help you document and present your setup in a way that makes sense to lenders (even the picky ones).

💰 Lenders Love Stability (Even If You’re Scaling)

I know—reinvesting every dollar into your business feels smart. But showing consistent income and solid savings helps you look strong on paper and in the real world.

✨ Real Talk: This Works

Meet Jen, a freelance graphic designer in Belleville. After three years of steady self-employment, she assumed getting a mortgage would be next to impossible. But with a clear income strategy, a little paperwork magic, and a lender who understands entrepreneurs, Jen bought her first home—without selling her soul or skipping a tax return. Moral of the story? You don’t have to fit the traditional mold. You just need the right broker (hi, that’s me 👋).

🛠️ Mortgage Myths for Business Owners – Busted

Let’s clear up some of the most common misconceptions:

❌ You need two full years of big income to qualify

✅ Not always—some lenders accept strong 1-year files with backup docs

❌ You can’t get a mortgage if you write off a lot

✅ It's more complex, but not impossible. We get creative and stay legal

❌ You need to show T4s to get approved

✅ Nope. We can use business bank statements, NOAs, financials, and more

🔁 What About Mortgage Renewal or Refinancing?

Mortgage Renewal: Don’t just sign your lender’s renewal offer—there could be better rates or terms out there. I’ll shop around for you.

Mortgage Refinancing: Want to tap into your home equity to grow your biz, pay off debt, or invest elsewhere? I’ll walk you through the pros, cons, and smartest timing.

🤝 Why Work With a Mortgage Broker (Like Me)?

As the best mortgage broker in Belleville (humble brag 😄), I understand the unique challenges of self-employed clients.

I help you:

Find mortgage solutions that actually fit your financial life
Strategically prepare for renewal or refinancing
Stay one step ahead of the lending curve

📞 Ready to Talk?

Whether you're buying, renewing, or refinancing—I’m your go-to for stress-free, business-owner-friendly mortgage advice.

📞 613-969-7655