Self-Employed Specialists

Self-Employed? Get Competitive Mortgage Options - Without the Bank Runaround

We help entrepreneurs, freelancers, and business owners secure the same competitive rates as salaried employees — without trying to fit into a salaried box.

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No credit pull. No obligation. If you're not ready we'll send a preparation checklist.

ABOUT Mortgages By Garvin

Buying a home is one of the biggest financial decisions you will ever make, and having the right mortgage professional on your side can make all the difference.

At Mortgages by Garvin, my goal is to make the mortgage process feel clear, strategic, and personalized. Now backed by 8Twelve, a Canada-wide brokerage with access to a wide range of lenders and mortgage solutions, I’m able to help clients across the country find financing that fits their needs, not just a rate that looks good on paper.

Whether you are buying your first home, refinancing, renewing, investing, or navigating the added challenges of self-employment, I work to match you with the right mortgage strategy for your situation. With access to multiple lending options, I can help explore solutions for straightforward files as well as more complex scenarios.

What matters most to me is how I serve my clients. I believe in honest communication, transparency, and taking the time to understand you

How It Works — 3 Steps

Quick consultation

No credit pull upfront. We learn your business and goals.

Tailored approval strategy

We build a mortgage plan using the right documents and lenders for self-employed income.

Rate options + savings

We present AAA-rate options where possible and show how much you save vs. typical alternatives.

Why We're Different

Traditional Bank

Requires 2+ years T4 income
Slow turnaround
Strict rules
Higher rejection rate for self-employed

Our Self-Employed Program

Accepts business financials or stated income
Faster, flexible process
Custom approval strategies
Focus on getting AAA rates for self-employed

Testimonial

I had the pleasure of working with Garvin and I can truly say he is one of the best in the business. Him and his team walked with us, step by step to close a very complex and challenging deal. Without his help and guidance we could not have made it out. My family and i will be forever greatful for his service and kindness. Thank You Garvin!

Varghese Puthuva

I have known Garvin for a while now and I wouldn’t trust anyone else with my mortgages. We were in a really challenging situation and Garvin gave me excellent wisdom and insight regarding the situation. Garvin is knowledgeable, hardworking, and delightful to work with. I HIGHLY recommend him - you won’t regret it!

jeyatha gna

Had an awesome experience with Garvin. He worked daily, day and night and was available at all times when we had a question about our first time home buyers plan and mortgage. Would recommend him to anyone!

Marissa Arjunen

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First Time Home buyer

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LIMITED-TIME INTRO SPECIAL!

6-Month Fixed @ 2.99% (Insured Purchases)

3.14% (Insured Switches)

Insured purchases & switches only — Limited time

Insurance premium required (can typically be capitalized)
No re-qualification at renewal (On Approved Credit)
Short 6-Month Fixed Starter Term
Renewal offer at maturity — choose Fixed or Adjustable after 6 months
Avoid a 1% fee by renewing into a 3-year (or longer) term
No prepayments during the 6-month intro period

Schedule

Schedule Your Appointment Today

Your Trusted Mortgage & Home Financing Specialist

(647) 355-0340

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