Author | Lightnews

Mortgages Done Different @mortgagesdonedifferent.ca · 14h

Your credit score is important — but it’s not everything.

A lot of people get discouraged when they see a number that isn’t perfect.
But lenders look at much more than just your score — they look at your story, your income, and your stability.

In this video, I explain how approvals actually work

Mortgages Done Different @mortgagesdonedifferent.ca · 3d

Bruised credit doesn’t mean you’re out of options.

Life happens — missed payments, job changes, even a rough year in business.
Your credit score isn’t the whole story, and the right lenders know that.

In this video, I explain how “second-chance” programs work, what lenders actually look for after

Mortgages Done Different @mortgagesdonedifferent.ca · 4d

You’re not the only one working outside the 9–5.

From rideshare drivers to stylists and tradespeople — more Canadians than ever earn income on their own terms.
And that doesn’t mean you can’t qualify for a mortgage.

In this video, I break down how lenders are finally catching up — and how your

Mortgages Done Different @mortgagesdonedifferent.ca · 6d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 7d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 10d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 11d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 12d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 13d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 17d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 18d

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

Reposted by Mortgages Done Different

WizardAFA @wizardafa.bsky.social · 19d

Hope I live long enough to see Nuremberg 2.0

Prem Thakker ツ @premthakker.bsky.social · 19d

My gosh. After the US bombed multiple boats in the middle of the ocean, murdering people on grounds that they were allegedly "carrying drugs," the US Attorney General says "Just like we did with cartels, we're going to take the same approach, President Trump, with Antifa."

13 36 160

Mortgages Done Different @mortgagesdonedifferent.ca · 19d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 20d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 20d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 21d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 21d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 22d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 22d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 23d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 24d

Downpayment Hacks @BRXMortgage

Mortgages Done Different @mortgagesdonedifferent.ca · 25d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 26d

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

Mortgages Done Different @mortgagesdonedifferent.ca · 26d

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

1

Reposted by Mortgages Done Different

GTA360.com @gta360.com · Sep 16

$1,380,000 - Brand new... never-lived-in... move-in ready... shown with virtual staging for some furnishings inspiration...

MLS C12392148

#townhomes #torontohomes #torontorealestate #virtualstaging #realtor #realestate #realestatemarketing

1