Self-Employed Mortgages in Langley and Chilliwack, BC
Mortgage solutions for business owners across the Fraser Valley, including Surrey, Abbotsford, and Mission
Yes I am interested in learning more about Mortgages & Financing for the Self-Employed
Find the right mortgage that fits your business income - helping self-employed borrowers across BC
Take advantage of our mortgage experience to help get you a great mortgage.
If you are self-employed in Langley, Chilliwack, or anywhere across the Fraser Valley, getting a mortgage can feel frustrating, especially if your tax strategy includes write-offs that lower your declared income. The good news is there are lender options designed for business owners, contractors, and entrepreneurs, you just need the right plan and the right documentation.
At West Coast Mortgages, we help you present your income in a lender-ready way, then we compare mortgage options across multiple lenders to find the best fit for your situation. Whether you are buying your first home, moving up, or refinancing, we focus on clarity, speed, and fewer surprises during underwriting.
If you are still early in the process, start with a mortgage pre-approval so you know your budget range before you start shopping. If you are actively writing offers, our home purchase financing page explains how we help you close on time in a fast-moving Fraser Valley market.
Ready to take the next step? You can apply online here, it is quick to start, and our team will guide you through the documents that matter most for self-employed approval.
Local BC Cities We Serve
We can provide mortgage services to anyone in the province of BC including...
Langley
Abbotsford
Surrey
Vancouver
Chilliwack
Mission
Coquitlam
Richmond
White Rock
Harrison Mills
Pitt Meadows
and cities near you!
.. And all areas across BC as well
Common questions we receive from self employed persons in Langley, Chilliwack, the Lower Mainland and all across BC.
We are able to work with self employed individuals from anywhere across BC to help them get the mortgage and financing they need
I live in the Langley area, can you help me with getting a mortgage while being self employed?
Can you help provide CMHC mortgage insurance for the self employed? I am not sure if that's possible.
I am self employed and looking to purchase a home in Chilliwack. Can you help me as I am not sure what options I have?
Do you have access to lenders that can help me as I am self employed?
Can I get a mortgage if I am self employed in BC?
Can you provide mortgage advice to me as I am self employed and not sure where to go?
Are you and your team mortgage brokers that can help the self employed if I am in the Fraser Valley?
What mortgage options are there for a self employed individual living in BC?
The answer is yes we can help individuals that are self employed from anywhere across BC.
Simply contact us for a free, no-hassle conversation. You'll be glad you did.
Case Study, A Fraser Valley Business Owner Gets Approved With a Clear Income Story
Scenario: A self-employed tradesperson was shopping between Langley and Chilliwack. Their business was healthy, but taxable income looked lower on paper due to write-offs, and they were worried the bank would say no.
What we did: We reviewed their overall file, organized the most relevant income documents, and matched them with lenders who understand self-employed income. We also set clear expectations around what underwriting would ask for, so there were no last-minute surprises when an offer was accepted.
Result: The buyer went from uncertainty to a confident approval plan, shopped with a realistic budget, and moved through financing with fewer delays and clearer communication.
- Clear, lender-ready income presentation
- Better lender fit for self-employed income
- Smoother approval process with fewer surprises
Quick Answers for Self-Employed Borrowers Across the Fraser Valley
Common questions we hear in Langley, Chilliwack, Surrey, Abbotsford, Mission, and nearby Fraser Valley communities.
Can I get a mortgage in Langley or Chilliwack if my taxable income looks low because of write-offs?
Yes, in many cases. The key is choosing lenders that understand self-employed income and presenting your file properly. We help you organize the right documents so your overall income story is clear, not just a single line on a tax return.
What documents do self-employed borrowers usually need for approval in BC?
It depends on your business structure and lender, but it often includes tax documents, proof your business is active, and supporting income information. We tell you exactly what applies to your situation, so you are not guessing or chasing paperwork at the last minute.
How long do I need to be self-employed before I can qualify for a mortgage?
Some lenders prefer a longer track record, but options can still exist depending on your industry, income consistency, down payment, and credit. If you are early in business, we will map out the most realistic path for your timeline in the Fraser Valley.
I am incorporated, is it different than being a sole proprietor?
It can be. Lenders may review income differently depending on how you pay yourself and how the company finances look. We will help you position the application properly and choose lenders that fit how your business income works.
Can self-employed borrowers still use insured mortgages like CMHC in BC?
Potentially, yes, but it depends on your overall file and the lender’s documentation requirements. We can tell you whether insured options are realistic for your purchase price range in Langley, Chilliwack, or nearby Fraser Valley markets.
Do you offer bank statement style options for self-employed borrowers?
There may be alternative programs where lender focus is more about cash flow and supporting documents, depending on the scenario. We will review your goals and recommend the most realistic route based on approval strength and long-term cost.
What can I do right now to improve my approval odds as a business owner?
Start by keeping business and personal finances organized, reducing unnecessary debt where possible, and avoiding big credit changes while you are mortgage planning. We will also tell you which documents to gather first, so your pre-approval and full approval go smoother.
Can you help me buy a home in Surrey, Abbotsford, or Mission if I am self-employed?
Yes. We help self-employed buyers across the Fraser Valley, including Surrey, Abbotsford, and Mission. The process starts with a clear budget and a strong plan for underwriting, so you can write offers confidently.
Should I get a pre-approval before I start looking at homes?
Yes, especially as a self-employed borrower. A pre-approval helps confirm your budget and reduces surprises later, when you are on a deadline with an accepted offer.
How do I start, and how fast can we move?
Start by sharing a few basics about your income and goals, then we will tell you exactly what to provide next. If you want the quickest path, you can apply online here, and our team will guide you from there.
Get approved for your next mortgage in 3 simple steps
Fast, friendly guidance from your local mortgage team. We'll help you understand your options and move forward with confidence.
Answer a few quick questions
Tell us what your needs are... purchase, renewal, refinance, or debt consolidation, and we will map out the best next steps.
We compare mortgage options with many lenders
We shop rates and terms across multiple lenders, then explain the pros and cons in plain language so you can choose confidently.
Get pre-approved, shop smart
Once you are pre-approved, you can shop with confidence knowing your budget, your payment range, and your timeline.
Takes just a few minutes to start, no obligation, and a real person will guide you if you get stuck.