Self-Employed Specialists

Self-Employed? Get Competitive Mortgage Options - Without the Bank Runaround

We help entrepreneurs, freelancers, and business owners secure the same competitive rates as salaried employees — without trying to fit into a salaried box.

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No credit pull. No obligation. If you're not ready we'll send a preparation checklist.

ABOUT Mortgages By Garvin

Buying a home is one of the biggest financial decisions you’ll ever make — and having the right mortgage partner can make all the difference. At Mortgages by Garvin, I combine the strength of a top-tier brokerage with my own client-first approach to deliver solutions that go beyond just finding a low rate. With access to Canada’s leading lenders, including our national network through VERICO, I help clients secure the right financing — whether you’re purchasing your first home, refinancing, or navigating the unique challenges of being self-employed. My focus is always on reducing the true cost of borrowing over time, not just the upfront numbers. What sets me apart is the way I work with you: clear communication, full transparency, and a strategy tailored to your goals. Whether your file is straightforward or complex, I’ll take the time to understand your situation and guide you every step of the way. This isn’t about being “just another mortgage agent.” It’s about being your long-term partner in building financial stability and homeownership success.

How It Works — 3 Steps

Quick consultation

No credit pull upfront. We learn your business and goals.

Tailored approval strategy

We build a mortgage plan using the right documents and lenders for self-employed income.

Rate options + savings

We present AAA-rate options where possible and show how much you save vs. typical alternatives.

Why We're Different

Traditional Bank

Requires 2+ years T4 income
Slow turnaround
Strict rules
Higher rejection rate for self-employed

Our Self-Employed Program

Accepts business financials or stated income
Faster, flexible process
Custom approval strategies
Focus on getting AAA rates for self-employed

Testimonial

I had the pleasure of working with Garvin and I can truly say he is one of the best in the business. Him and his team walked with us, step by step to close a very complex and challenging deal. Without his help and guidance we could not have made it out. My family and i will be forever greatful for his service and kindness. Thank You Garvin!

Varghese Puthuva

I have known Garvin for a while now and I wouldn’t trust anyone else with my mortgages. We were in a really challenging situation and Garvin gave me excellent wisdom and insight regarding the situation. Garvin is knowledgeable, hardworking, and delightful to work with. I HIGHLY recommend him - you won’t regret it!

jeyatha gna

Had an awesome experience with Garvin. He worked daily, day and night and was available at all times when we had a question about our first time home buyers plan and mortgage. Would recommend him to anyone!

Marissa Arjunen

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First Time Home buyer

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LIMITED-TIME INTRO SPECIAL!

6-Month Fixed @ 2.99% (Insured Purchases)

3.14% (Insured Switches)

FOR NEW BUSINESS ONLY — Available for a Limited Time

Insurance premium required (can typically be capitalized)
No re-qualification at renewal (On Approved Credit)
Short 6-Month Fixed Starter Term
Renewal offer at maturity — choose Fixed or Adjustable after 6 months
Avoid a 1% fee by renewing into a 3-year (or longer) term
No prepayments during the 6-month intro period

Schedule

Schedule Your Appointment Today

Your Trusted Mortgage & Home Financing Specialist

(647) 355-0340

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