Your self-employed clients deserve a broker who reads a T1.
You optimize their taxes; the bank punishes them for it at mortgage time. We speak the language of add-backs, retained earnings, and business-for-self programs — placing your incorporated and self-employed clients across A, B, and private lenders without asking them to undo a year of planning.
Refer a client or partner with us
Tell us about your practice — we'll set up a referral relationship your self-employed clients will thank you for.
Why partner with Mortgage Squad Advisors
Add-backs, retained earnings, T1/T2 and NOA analysis, two-year averaging vs. stated income — we structure the file to the lender that reads your client's situation the right way.
No 'just show more income next year' nonsense. We find lenders who lend on the reality of an optimized return, so your client doesn't have to choose between tax efficiency and a mortgage.
When an A-lender's ratios don't fit a lumpy income year, we have B-lender and private options to bridge — with a clear path back to A-pricing.
We send mortgage clients who need tax and incorporation advice your way too. Compliant, in writing, and genuinely mutual.
A simple, compliant partnership.
Introduce them or submit their details. We coordinate with you on the documents that tell the income story best.
We pick the lender and program that fits how your client actually earns — BFS, stated income, alt-A, or private as needed.
Your client gets approved without unwinding their planning, and the referral reflects well on you.
- Business-for-self & stated-income specialists in-house
- We work directly from T1s, T2s, NOAs and financials
- A, B and private lenders for lumpy or optimized income
- Compliant two-way referral arrangement in writing
- Maya available 24/7 for your clients' first questions