Owen Langis | Mortgage Connection

Self-Employed.ca — Owen Langis, Mortgage Broker

Owen Langis is a licensed Calgary-based mortgage broker and partner at Mortgage Connection, specializing exclusively in mortgages for self-employed business owners.

Through his platform, Self-Employed.ca, Owen helps sole proprietors, contractors, freelancers, and incorporated business owners throughout Alberta and British Columbia qualify for mortgage financing using lender programs built specifically for self-employed income.

Many self-employed Albertans get turned down by traditional bank lenders because of how their income is reported for tax purposes.

When smart tax planning works against your mortgage approval:
Most business owners write off expenses and use income tax strategies to legally minimize what they owe — that's good business.

But it also means the net income shown on your tax return is often much lower than what your business actually generates and what you can genuinely afford. Traditional lenders qualify you based on that lower, post-write-off number, which can shrink your borrowing power or lead to an outright decline — even for a profitable, well-run business.

Owen understands how self-employed income really works.
He looks beyond the T1 General and reviews add-backs, gross-up strategies, and your true cash flow to build a mortgage application that reflects your actual earning capacity, not just your bottom-line tax number.
This is where stated income and alternative documentation programs come in: they're designed specifically for business owners whose tax returns don't tell the whole story.

Owen works with a wide network of banks, credit unions, and alternative lenders who understand self-employed income and offer flexible qualification options, including stated income programs.

Services:

• Self-employed mortgages
• Sole-proprietor mortgage
• Incorporated business mortgage
• Business bank statement mortgages
• Stated income mortgages
• Income gross-up and add-back strategies
• in business for less than two years mortgages

Areas served:
Okotoks, Calgary, Airdrie, Cochrane, Chestermere, Lethbridge, Red Deer, Edmonton, and throughout Alberta and British Columbia, including Kelowna, Kamloops, and Vancouver.

Whether you're a first-time business owner exploring pre-approval or an established entrepreneur looking to refinance, Owen provides personalized mortgage strategies tailored to how self-employed income actually works.

https://self-employed.ca/
Ph: 403 968-8512
[email protected]