Brampton, ON · Self-Employed Specialist
Self-employed? Bank said no? You built something — you shouldn't have to explain it to a lender who's never picked up a tool.
Book Free Consultation Call 416-891-8684 Blueprint Quiz →Who We Serve
Brampton is home to contractors, business owners, and tradespeople who've built real wealth — but can't show it on a T4. The big banks see irregular income and stop reading. We start there.
As a former trades professional with 30+ years in GTA cabinet-making and construction, Paul Malandrino knows exactly how self-employed income works — and how to present it to lenders who will actually approve it.
Write-offs are good for taxes, hard for mortgages. We know how to work around stated income and get deals done.
A decline from TD or RBC isn't the end. B lenders and private options exist — and we know which ones to call first.
Incorporated, sole prop, or cash-heavy business? We've seen every structure and know how each one qualifies.
Buying a second property or rental in the area? Investment mortgage rules are different — we deal with them daily.
Why VMG
Most mortgage agents have never swung a hammer. Paul spent over three decades in GTA cabinet-making and construction before moving into mortgages. That background isn't a talking point — it's how deals get approved that other agents can't close.
Project-based, seasonal, incorporated — we know how self-employed income actually flows and how lenders read it.
Commercial, residential, private — Mortgage Agent Level 2 means access to more products and lender types.
Free consultation. No commitment. If we can't get it done, we'll tell you straight.
Based in Vaughan. Serving Brampton and the GTA. Not a call centre.
Brampton & Area
Vaughan Mortgage Group works with buyers, owners, and investors across Brampton and the GTA. Whether you're near Brampton North, Heart Lake, Bramalea, Queen Street corridor — if you're self-employed or bank-declined in this area, this is where you start.
No paperwork. No commitment. Just a straight conversation about where you stand and what's possible.
Book Free ConsultationPaul Malandrino · Mortgage Agent Level 2 · FSRA #M25000307 · GNE Mortgages Lic. #10394