Are you
self- employed
and looking for a mortgage?
Qualify Using Business Income
Not personal tax returns
Access Institutional-Level Rates
Not personal tax returns
Exit High-Interest Private Mortgages
Not personal tax returns
Mortgage Solutions for Non-Traditional Income
Self-Employed Mortgages
Qualify using business income, not personal tax returns.
Partner / Spousal Buyouts
Buy out a business partner or
ex-spouse without triggering a sale.
Fixed & Retirement Income Mortgages
CPP, OAS, pension, rental income.
Debt Consolidation
Pay off high-interest debt using
Pay Off a Private Mortgage
Pay off high-interest debt using
home equity.
Purchase
Self-employed buyers don’t think “purchase” — they think “can I even qualify?
What Business Owners Ask Before Applying
Straight answers for business owners and non-traditional income earners.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
You may still have options. While some banks require taxes to be fully up to date, there are lenders
who look at your overall financial strength, business income, and repayment plan instead. We review your situation carefully and help you find the most realistic path forward.
Why Clients Work With Us?
Alva Mortgage was founded in 2024 as a division of 8Twelve Mortgage Brokerage to help self-employed Canadians secure mortgages based on their real financial strength , not just tax return numbers.
- Specialization (self-employed, complex files)
- Volume & experience (without bragging)
- Independence from banks
- Geography (Canada-wide, Alberta & BC focus)
Still Unsure?
Get a Clear Answer in One Call.
