Strong income. Complex paperwork. A process that actually works. If you’re self-employed, incorporated, or contract-based, you already know the story: your income is real, your finances are solid, and lenders still treat your application like a puzzle.
Sebastian Skibinski helps self-employed clients secure premium-prime mortgage outcomes with a structured process that makes your income easy to present, easy to understand, and easy to approve.
You’ll get a documented recommendation, a lender strategy that fits your business profile, and a closing process that feels organised from start to finish
Limited monthly capacity for self-employed files: We keep our roster intentionally small to ensure every file gets hands-on attention.
Self-employed mortgages don’t have to feel unpredictable. We keep the process simple, organised, and strategy-led.
Book a 15-minute Fit Call or Self-Employed Income Review. We’ll discuss your income structure, timeline (purchase, refinance, or renewal), goals, and comfort range. We’ll also review what documents you already have available. By the end, you’ll know what lenders need and what your timeline looks like.
We manage underwriting and keep your closing on track. Once you proceed, we take care of lender selection, communication, document collection, and milestone management through funding. For self‑employed clients, we handle the extra lender questions that usually bog things down. That means a more predictable closing with fewer delays.
We manage underwriting and keep your closing on track. Once you proceed, we handle submission to the right lenders, communication on conditions, document collection, and milestone management through to funding. For self‑employed clients, we also manage the extra lender questions that can otherwise slow things down. The result is a more predictable closing with fewer delays.
When you run your own business, your time is valuable. You need a mortgage advisor who respects that and understands how lenders think.
A documentation plan is built specifically for self-employed approvals, with lender matching based on your business structure, written recommendations that keep decisions simple, and concierge-level management of conditions and timelines.
You’ll experience less back-and-forth with lenders and faster approvals with fewer surprises, along with a mortgage structure that supports future moves or refinancing, giving you more confidence in the decision you’re making.
The deliverables include a Mortgage Fit Plan framework, a self-employed documentation checklist, a shortlist of 2–3 strong options, and underwriting coordination with condition management.
This service is designed to create a smooth, lender-ready path to approval while protecting your time and reducing friction.
A quick call to understand your business profile, timeline, and goals.
We review how you earn income (salary/dividends, contracts, retained earnings, commissions, etc.).
You get a clear checklist of what to gather, what matters most, and what lenders typically request.
We focus on lenders who fit your business story, not lenders who create unnecessary hurdles.
We review cash flow, comfort range, risk preferences, and term structure.
A focused shortlist with key differences explained clearly.
A documented recommendation you can keep and refer back to.
A step-by-step path to funding so you know exactly what happens next.
Ongoing renewal runway support and annual check-ins.
Sebastian believes that transparency, clear communication, and personalized guidance are essential to a successful mortgage experience. His priority is to build long-term relationships by supporting clients at every stage – whether educating first-time homebuyers or assisting seasoned investors in expanding their real estate portfolios.
Help Ontario clients make mortgage decisions that age well, then manage the close with precision.
Ontario’s most trusted mortgage advisor for life, known for expertise, discretion & long-term relationships.
Transparency - Precision - Stewardship - Discretion - Respect for your time
Find answers to common questions about Toronto pre-approvals, our advisory fees, and how we help you navigate financing conditions in a fast-paced market.
Yes. Many self-employed clients qualify for excellent rates when the file is structured properly and presented clearly.
It depends on the lender and your structure, but many use a multi-year average and review supporting financial documents. We walk you through exactly what applies to you.
We provide a checklist after your Fit Call. Common documents include Notices of Assessment, T1 Generals, financial statements, and business documents if incorporated.
Not always. Down payment requirements depend on the purchase price, lender, and overall strength of the file.
Yes. Incorporated clients are a core part of our practice.
Yes. Contractors often have strong income, and we help build a clean approval strategy.
Ideally, start a few months in advance. That gives you time to organise documents and strengthen the application.
Absolutely. We can support refinances for renovations, consolidation, equity access, or restructuring.
Timelines depend on documentation readiness, but we set expectations early and keep things moving once the file begins.
In most cases, compensation is paid by the lender if you proceed. If fees apply, they are explained upfront.
You’ve built a business. You’ve built strong income. Your mortgage process should reflect that. If you want a structured approach, a lender strategy that makes sense, and a closing process that feels organised.
Expert perspectives on rates, approvals, market trends, and smart borrowing strategies so you can make informed mortgage decisions.
