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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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Self-employed mortgages

Entrepreneur-friendly underwriting with clear income documentation.

Self-employed does not mean impossible

We align lender guidelines with your business income, including income averaging and stated-income programs where appropriate.

Our dashboard keeps tax returns, statements, and accountant letters in one secure place.

What lenders need

  • Two years of notices of assessment or T1 Generals.
  • Corporate financial statements for incorporated borrowers.
  • Business bank statements and proof of ongoing contracts.

Helpful tools

Model affordability using income averages and debt ratios.

  • Income qualifier
  • Debt service ratios
  • Affordability

Frequently asked questions

Can I qualify with business income?

Yes. Lenders may use a two-year average or specific program rules.

Do I need large down payment?

Not always, but higher down payments can improve approval odds and pricing.

Do you work with stated-income programs?

We can, when the borrower profile and documentation support it.

Next step

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

Compare ratesBook 15-min consultStart application

Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) or cash/rental damming involve risk. Consult a qualified professional before proceeding.

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