Getting a mortgage on commission income shouldn’t feel impossible — but banks often make it that way.
At Mortgages Done Different, we help self-employed and commission-based earners get approved using real income strategies that traditional lenders overlook.

✅ Real solutions for real people
✅ No

Earn most of your income in cash? Here’s what lenders actually look for.

A lot of people assume cash income can’t count toward a mortgage — but that’s not true.
If it’s consistent, traceable, and shows up in your deposits, some lenders will recognize it as real income.

In this video, I break down

Got a side hustle? It might help you qualify.

Banks don’t always count freelance or side income — but some lenders do.
If it’s consistent, hits your account regularly, and you can show a paper trail, that extra income can make all the difference.

In this video, I break down when and how side

No T4s? No pay stubs? No problem.

If you’re self-employed, commission-based, or just don’t get a regular paycheques, you can still qualify for a mortgage.
In this video, I walk through three real ways lenders verify income without traditional documents — and how people are getting approved right

Self-employed for less than 2 years? You still have options.

Banks usually want two full tax years before they’ll look at your file — but that doesn’t mean you can’t qualify.
If your deposits are steady and your credit’s solid, there are lenders who see the bigger picture.

In this video, I break

This is my why.

After nearly 20 years in finance, I thought I’d seen it all — until my own family couldn’t get a mortgage.
My parents had money in the bank, good credit, and steady income.
But because my dad was self-employed, the bank said no.

That was the moment I stopped working for the system

Alternative lending isn’t risky — it’s realistic.
It’s the space between “bank rules” and real life.

When your income, credit, or business doesn’t fit the box, alternative lenders look at the full story — not just the numbers on paper.
It’s how self-employed, commission-based, or rebuilding

If your bank said no, that’s not the end — it’s just one opinion.
Banks have rigid rules. Perfect paperwork. Perfect credit. Perfect boxes.

Real life doesn’t work like that.
That’s where brokers like us step in — we find lenders who see your story, not just your score.

If you earn income, pay

Hope I live long enough to see Nuremberg 2.0

Banks sell their products. Brokers build your plan.
That’s the real difference.

A good mortgage broker looks at every lender, not just one.
We match your situation to the best fit — rates, terms, and flexibility that actually work for you.

Whether you’re self-employed, commission-based, or

Being “non-prime” doesn’t mean you’re a bad borrower.
It just means your situation doesn’t fit the bank’s box.

Self-employed income, a past proposal, credit bumps — those things make you different, not disqualified.

Non-prime mortgages are a bridge, not a punishment.
They get you into a home now

More to think about besides interest rate @BRXMortgage​
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks

Lower you monlthy expenses and improve your cashflow with a Mortgage Finance @BRXMortgage

Tired of explaining your income to the bank?
If you’re self-employed or commission-based, you already know the struggle — they look at your file like it’s written in another language.
At Mortgages Done Different, that’s exactly what we specialize in.

We know how to read your real income, present

Your credit report doesn’t tell the whole story — and that’s the problem.
It shows the numbers, not the why behind them.
It doesn’t show the effort, the recovery, or the comeback.

At Mortgages Done Different, we look past the score to see the full picture — your cash flow, your income, your

#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks #HomeOwnership #RealEstateInvesting #RuleOf72 #PassiveIncome

#compounding @BRXMortgage ​
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks #HomeOwnership

Downpayment Hacks @BRXMortgage

T4 income isn’t the only kind that matters.
We help people the banks overlook — self-employed, commission earners, credit rebuilders, and anyone who’s been told “you don’t qualify.”

✅ No judgment
✅ No BS
✅ Just real options that actually close

If you’ve got income, drive, and a plan — we’ll help

T4 income isn’t the only kind that matters.
We help people the banks overlook — self-employed, commission earners, credit rebuilders, and anyone who’s been told “you don’t qualify.”

✅ No judgment
✅ No BS
✅ Just real options that actually close

If you’ve got income, drive, and a plan — we’ll help

Ever felt like the system just isn’t built for you?
That’s exactly why I started Mortgages Done Different.
Not for perfect credit. Not for perfect paperwork.
For real people with real income, real stories — and real goals.

If you’re self-employed, commission-based, or rebuilding after life

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Here's a ray of sunshine in a very dark world

Germany has already exceeded its goal of shutting down 8 GW of coal plants - 3 years earlier than expected

Amazing what a little sun and wind can do 😎

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I am 76 & I have had most of these vaccinations at one time or another. Also vaccinations against Covid, Tetanus, plus Cholera & Yellow Fever when travelling in foreign countries.
These prevented me catching horrible diseases & dying a gruesome death. They did not harm me, they protected me!