Self-employed mortgage qualification
Finding lenders who use gross revenue or bank statements rather than net income - so your tax strategy doesn't disqualify you from buying.
Vancouver Mortgage Broker For Self-Employed Borrowers
Dominion Lending Centres - Gill Mortgage Group
Banks often treat self-employment income like a red flag. Pav Gill has spent his career proving otherwise – helping contractors, business owners, and incorporated professionals in Metro Vancouver and the Fraser Valley qualify for mortgages on their own terms.
Self-employed mortgages
Stated income programs
Business owners
Incorporated professionals
Home purchase
Mortgage renewal
Refinancing
Home equity
Investment properties
Credit solutions
- 5.0 stars across 86 Google reviews - clients consistently highlight Pav's ability to find solutions when banks say no, his patience with first-time buyers, and his responsiveness throughout the process.
About Pav
Pav Gill is a licensed mortgage broker with Dominion Lending Centres, serving buyers and homeowners across Metro Vancouver, the Fraser Valley, and the Tri-Cities. He’s built a reputation specifically around helping self-employed Canadians – contractors, freelancers, incorporated business owners, and entrepreneurs – navigate the mortgage qualification process that banks often make unnecessarily difficult.
Self-employed borrowers typically minimize their taxable income, which banks penalize when assessing mortgage eligibility. Pav works with lenders who understand how self-employment income actually works and can look beyond line 150 of your tax return to qualify you properly.
His Google reviews consistently speak to one thing: he explains the process clearly, remains patient through the complicated parts, and finds solutions even when the first answer is no.
Credentials & Background
- Licensed mortgage broker - BC Originator Licence
- Dominion Lending Centres - Gill Mortgage Group
- Access to 230+ lending institutions including major banks, credit unions, and alternative lenders
- Based in Langley - serving Metro Vancouver and Fraser Valley
- 5.0 stars - 86 Google reviews
- Specialist in self-employed and non-traditional income qualification
- Available evenings and weekends
What Pav helps self-employed borrowers with
Stated income programs
Accessing stated or declared income mortgage products for borrowers who can't prove income through traditional T1 documentation alone.
Incorporated business owners
Working with lenders who understand retained earnings, dividends, and shareholder loans as legitimate qualifying income sources.
Mortgage pre-approval
Getting a pre-approval in place before you start shopping, with a realistic picture of what you qualify for given your income structure.
Refinancing & equity access
Tapping into your home equity for business investment, debt consolidation, or property improvements - structured to fit a self-employed cash flow.
Mortgage renewal
Shopping your renewal across 230+ lenders instead of accepting your bank's first offer - often the biggest savings opportunity most homeowners miss.
Investment property financing
Financing rental properties and investment real estate for self-employed buyers, including second and third mortgages.
Credit repair & alternative lending
Working with borrowers who have credit blemishes or non-traditional credit histories, through lenders that banks won't refer you to.
Home equity solutions
CHIP reverse mortgage, HELOC, and equity-based mortgage products for homeowners who need flexible access to their equity.
Who Pav typically works with
With access to multiple lenders, there are always promotions and incentives with different banks. Reach out to find the bank that best suits your needs!
- 20178 96th Ave, Langley, BC Langley BC V1M 0B2
Let’s Get Started