https://www.tmcgreatersimcoe.com/assets/self-employed-solutions-CMw3rit6.js

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6 */const I=[["path",{d:"M15 14c.2-1 .7-1.7 1.5-2.5 1-.9 1.5-2.2 1.5-3.5A6 6 0 0 0 6 8c0 1 .2 2.2 1.5 3.5.7.7 1.3 1.5 1.5 2.5",key:"1gvzjb"}],["path",{d:"M9 18h6",key:"x1upvd"}],["path",{d:"M10 22h4",key:"ceow96"}]],W=x("lightbulb",I);function R(){u.useEffect(()=>{window.scrollTo(0,0);const s=f();p({title:"Self-Employed Mortgage Solutions Barrie & Ontario | Craig Brunsdon",description:"Getting a mortgage when you're self-employed in Ontario doesn't have to be hard. Craig Brunsdon has lenders who understand business-for-self income. 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If you're self-employed, incorporated, or running a small business, your income looks different on paper — often lower than your actual earnings because of legitimate business deductions. Craig works with lenders who understand self-employed income and have programs designed for it."})]})})}),e.jsx("section",{className:"py-20 bg-gray-50","data-testid":"craig-insight-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark text-center mb-8","data-testid":"craig-insight-title",children:"What to Do Now If You Want a Mortgage in 12–24 Months"}),e.jsx("blockquote",{className:"border-l-4 border-tmc-gold pl-6 text-lg text-gray-700 leading-relaxed italic",children:"If you're self-employed and using stated income to qualify, the most important thing is having invoices that match your business bank statements — so we can use all the income the business is actually generating. No cash work. Run everything through the business that you possibly can. We want to show how much you truly make, not just what you're claiming on your taxes, but how much is going through the business. That's what gets you approved and at the best rate."}),e.jsx("p",{className:"mt-4 text-tmc-dark font-semibold text-right pr-6",children:"— Craig Brunsdon"})]})})}),e.jsx("section",{className:"py-20 bg-white","data-testid":"faq-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark text-center mb-12","data-testid":"faq-title",children:"Frequently Asked Questions — Self-Employed Mortgages"}),e.jsxs("div",{className:"space-y-8",children:[e.jsxs("div",{"data-testid":"faq-item-0",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"How long do I need to be self-employed to qualify for a mortgage?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"Most A-lenders (big banks) require 2 years of self

6-employment history with tax returns to prove it. However, alternative lenders have programs for borrowers with as little as 1 year of self-employment. Craig knows which lender fits your situation."})]}),e.jsxs("div",{"data-testid":"faq-item-1",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"What documents do self-employed borrowers need for a mortgage?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:"Typically: 2 years of personal tax returns (T1 General), 2 years of Notice of Assessment, business financial statements (if incorporated), and your business registration documents. Some programs use bank statements instead of tax returns."})]}),e.jsxs("div",{"data-testid":"faq-item-2",children:[e.jsx("h3",{className:"font-bold text-xl text-tmc-dark mb-2",children:"Do lenders use my gross or net income if I'm self-employed?"}),e.jsx("p",{className:"text-lg text-gray-700 leading-relaxed",children:'Most A-lenders use net income (Line 15000 on your T1). Some alternative lenders offer "stated income" programs that use a gross-up of your business revenue. 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That's often not the case at all. We have lenders and programs that are specifically designed for self-employed borrowers."," ",e.jsx(t,{href:"/contact",className:"text-tmc-gold font-medium hover:underline",children:"Call us before you give up."})]})]})]})]})})}),e.jsx("section",{className:"py-16 bg-gray-50","data-testid":"also-useful-section",children:e.jsx("div",{className:"container mx-auto px-4",children:e.jsxs("div",{className:"max-w-4xl mx-auto text-center",children:[e.jsx("h2",{className:"font-bold text-3xl lg:text-4xl text-tmc-dark mb-6","data-testid":"also-useful-title",children:"Also Useful"}),e.jsxs("p",{className:"text-lg text-gray-700 leading-relaxed",children:["Self-employed borrowers often have unique situations that overlap with other mortgage scenarios. If you're looking to buy your first home, see"," ",e.jsx(t,{href:"/home-purchase-loan",className:"text-tmc-gold font-medium hover:underline","data-testid":"link-home-purchase",children:"home purchase mortgages"}),". 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