Qualify for More.

Pay Less Tax.

Retain More Income.

Access the Small Business Financing Program for incorporated business owners.

Qualify using 100% of net business income, a 3-year average (when available) and 90% rental income.

This dramatically increases your borrowing power and your accountant will love it, too!

Takes 60 seconds to book and no cost to get your numbers

Why Business Owners Qualify for More.

100% Net Income

We use your corporation’s true net income - not just what you pay yourself personally.

3-Year Average

Strong income years boost your approval. We know business can fluctuate. Just like ours.

90% Rental Income

Maximize your buying power by using 90% of rental income across all properties.

Industry-leading add-Backs

Business expenses like depreciation, interest and amortization strengthen your qualifying income.

Lower Personal Taxes

Keep your corporate tax strategy intact while still qualifying for more.

Built for Business Owners

Designed specifically for incorporated business owners. We know your pain points.

How the Program Works.

Access Your Corporation’s Income

We review your true net business income. Not the small amount you pay yourself personally. This instantly increases qualifying power.

(24 hours)

Apply Lender Add & A 3-Year Average

We add back depreciation, interest, amortization, and average your strongest income years to maximize your usable income.

(5-7 days)

Get Approved With Banks

You qualify for significantly more while keeping your current tax strategy intact.We handle the paperwork and accountant coordination for you.

(30-60 days)

Real Results from Business Owners Like You.

“Switched from private B rate/Alt-lender to a credit union using 100% net business income and full lender add-backs.”

“Incorporated clients using the 3-year average and net-income method qualify for substantially higher amounts.”

“Most clients know exactly how much they qualify for within two days.”

Why This Program Works When Banks Say No.

We use your corporation’s true net income so you can qualify using what your business really earns.

Your strongest income years count

We use up to a 3-year average (when available) to capture your best years.

Industry-leading add-backs

Depreciation, interest and amortization strengthen your income instead of hurting it.

Built for incorporated business owners

This program is designed specifically for small business owners with fluctuating income

Our No-Risk Guarantee

You don’t pay anything. If we don’t save you at least $20,000, we don’t recommend that you move forward, and if you do, we will reduce our cost.

✔ No-Cost Setup Guarantee

✔ Switch-Back Guarantee (30 Days)

✔ Hands-Off Promise — we deal directly with your lender

✔ Accountant Coordination Included

Book a Call

No cost. No risk. Just results.

Included When You Apply This Month.

Zero Set Up Cost

We do all the work up front before you pay a penny. If you save, we earn. If you don’t, we don’t.

Accountant Reviewed and Approved.

We ensure your mortgage strategy aligns with your accountant’s tax plan.

12 Month Rate Monitoring

We notify you instantly when rates drop and create new savings opportunities.

What You Receive.

Most clients save between $1,500–$3,000/month. We show you your numbers before you commit.

What Others Say

Transparent & Professional

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Best Competitive Rates

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Seamless & Stress-Free

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20 Years of Trust

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Goes Above & Beyond

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Knowledgeable & Friendly

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First-Time Buyer Expert

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Quick to Respond

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Creative Solutions

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Exceeded Expectations

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Transparent & Professional ⭑ Best Competitive Rates ⭑ Seamless & Stress-Free ⭑ 20 Years of Trust ⭑ Goes Above & Beyond ⭑ Knowledgeable & Friendly ⭑ First-Time Buyer Expert ⭑ Quick to Respond ⭑ Creative Solutions ⭑ Exceeded Expectations ⭑

Industry Connections

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Patient & Supportive

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Great Customer Service

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Reliable & Trustworthy

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Low Rate in Tough Market

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Record Time Approval

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Personal Care & Service

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Always There to Help

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Treated Like Family

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Professional Guidance

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Industry Connections ⭑ Patient & Supportive ⭑ Great Customer Service ⭑ Reliable & Trustworthy ⭑ Low Rate in Tough Market ⭑ Record Time Approval ⭑ Personal Care & Service ⭑ Always There to Help ⭑ Treated Like Family ⭑ Professional Guidance ⭑

Market Expertise

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10+ Years Experience

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Never Steered Us Wrong

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Hard Working Team

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Challenging Deals Solved

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Honest & Dedicated

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Best Advice & Rates

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Easy Process

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Outstanding Results

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Highly Recommend

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Market Expertise ⭑ 10+ Years Experience ⭑ Never Steered Us Wrong ⭑ Hard Working Team ⭑ Challenging Deals Solved ⭑ Honest & Dedicated ⭑ Best Advice & Rates ⭑ Easy Process ⭑ Outstanding Results ⭑ Highly Recommend ⭑

"Working with Vaneesh was a completely different and refreshing experience. From our very first conversation, he was transparent, professional, and highly knowledgeable... What truly impressed me was that not only did he deliver on those expectations, but in the end, the final terms of my mortgage were actually better than what we initially discussed."

— Adam Rabeda
"We have been with Vaneesh from the beginning in 2009. He is always our first call whenever we are making large financial decisions regarding real estate... His team is wonderful and they do what they say they will - which is very important when dealing with this kind of transactions."

— Adri Stone
"We have used him twice because he is so knowledgeable, friendly, and kind. Both times through it, he has answered our many questions quickly and reliably... It was easy to trust him with our best interests in mind. He found us a low rate in a tough market."

— Joel Mozgiel
"Vaneesh has helped me with a few mortgages now over the last 10 years getting me the best competitive rates and great advice throughout the entire process. Always positive and nonjudgmental. I highly recommend Vaneesh and his team for mortgage services."

— Jeff Ward
"His expertise and dedication made the entire mortgage process smooth and stress-free. From the initial consultation to the final closing, he was attentive to my needs and provided professional guidance every step of the way... I highly recommend Vaneesh to anyone looking for a reliable and trustworthy mortgage broker."

— Jahanshah Ashkani
"Vaneesh took the time to communicate with me, answer all my questions and provide education on this very intimidating process. I was very happy with his support and will be utilizing his services again."

— Michaela Torry
"He will make you feel as though you are his most important client, because he genuinely feels that way about all of his clients. I have repeatedly gone to Vaneesh over the past 20 years and will continue to do so in the future."

— Charlie M, Certified Personal Trainer
"Vaneesh has been great mortgage guide and has provided competitive rates and great advice throughout the entire process. He went out of the box to try and accommodate my situation. I highly recommend Vaneesh and his team for mortgage services."

— Sherin Fernandes
"We could tell he put a lot of work into it to be able to secure us a mortgage even with how many components there were to our home purchase. Thank you Vaneesh and the team!"

— Debora Plata
"In my experience, Vaneesh has been excellent to work with throughout the past 5 years. I highly recommend consulting with him in advance of any mortgage-related decisions. You will not be disappointed!"

— Rea Kalsi
"Vaneesh and his team went above and beyond to make our purchase go smoothly. They were supportive and very professional in all our communication... Vaneesh was able to get us an additional 0.60% mortgage rate reduction to what he had us preapproved for."

— Suzanne Fuentes
"Vaneesh has been incredible. Great guy, super hard working, great follow-through."

— Sean Eikerman
"I have worked with Vaneesh and his team for over 6 years and I am confident in saying that you will benefit greatly by working with him and his team. They are the best."

— Suzanne Fuentes
"We have been working with Vaneesh Dass for many years. He has helped us with numerous renewals and home purchases. He makes it easy and offers great advice and has never steered us wrong. Thanks Vaneesh and team!"

— Lindsay Sexton
"I've been working with Vaneesh on a number of properties/mortgages over a 10 year period and he's always been a pleasure to deal with. Easy to work with, he's knowledgeable, explains things in a simple manner, quick to respond & always there to help when needed."

— Chris Sutcliffe
"Vaneesh has been assisting my family and I for our mortgage needs for the past few years. We can always depend on his professionalism and knowledge. All our requests and concerns were taken care of promptly. We appreciate you & your team's hard work!"

— Ashley Sit
"The entire process was seamless and stress-free, which is a rarity in this industry, especially for self-employed individuals like myself. His expertise, industry connections, and meticulous approach made a significant difference... I will undoubtedly be referring him to my family, friends, colleagues, and clients."

— Adam Rabeda
"Vaneesh has always provided my clients with great service for mortgage approvals and refinancing options. We've worked on some challenging deals together and I couldn't have done it without him."

— Warren Sing
"Vaneesh has been significantly instrumental in helping me achieve my goals. His professional advice far surpasses the advice I have received from lenders in the past. He takes the time to truly understand your short-term and long-term goals and finds creative solutions to meet those goals."

— Rea Kalsi
"It has been wonderful working with Vaneesh. He helped us secure our first home with ease. His professionalism, friendliness, and knowledge make him stand out from others. He continues to check in to help us within this fluctuating market and keeps us updated with any changes."

— Vy Tran
"I have worked with Vaneesh since March 2016, on numerous mortgages, and he has always been patient, supportive and professional. He provides great customer service and is very thorough in explaining all the mortgage requirements in qualifying. I highly recommend him."

— Suzanne Fuentes
"Vaneesh has been very helpful in assisting me with my mortgage. He provided clear and concise advice into potential market disruptions and helped me make the best educated decisions... He's been very accessible to me when questions arise and responded in a timely manner."

— Andrew Sturgeon
"Vaneesh was extremely helpful during the process of purchasing our first home. He was patient with all of our ongoing questions and has continued to be a great resource... He proactively reaches out with advice any time circumstances change for us, and we greatly appreciate the dedication he has for his clients."

— Krisann H
"Vaneesh Dass did a great job in qualifying us and helping us find the perfect home in a quick span of time. Super impressed and grateful for his professional service and will totally recommend him for first time home buyers!"

— Femina Pereira
"Vaneesh Dass made my mortgage application very easy. My best experience yet dealing with a mortgage. Anytime I had any questions, they were answered promptly and honestly. I felt like I was being treated as one of the family."

— Kevin C
"I would never dream of working with any other broker, than Vaneesh Dass. He goes above and beyond every single time, constantly striving to find the solution that works best for you... He is honest and extremely hardworking."

— Charlie M, Certified Personal Trainer
"The absolute best to work with. Vaneesh and his team got me a great rate and were very patient with my many questions. Will use again and I highly recommend them to anyone looking for a mortgage."

— Jim Sexton
"My experience with Your Mortgage Guide was excellent. Vaneesh is knowledgeable, efficient, personable and professional. When my mortgage comes up for renewal, there is no doubt in my mind that this will be my first call. I highly recommended."

— M S
"I made the right choice going with Vaneesh for mortgage options. Not only did he get me lowest mortgage interest rate in the market, he also made home purchasing experience easier for me. I would definitely recommend Vaneesh for your mortgage needs."

— Dhaval Mashruwala
"Vaneesh has been such a valuable resource to me and my real estate practice. Kind, courteous, and knowledgeable!"

— Sean Patterson
"I have worked with Vaneesh three times in the past 9 years and have been very satisfied with the service and results. Very personal care and service."

— Dave Lantaigne
"Great service. Vaneesh and his team were able to secure a mortgage in record time at a great rate. Big thanks to the team."

— Scott McGrath
"Vaneesh and his team were extremely helpful in getting us through our mortgage woes and helped us get the new mortgage that we wanted."

— Alan Smith

FAQs

Banks only look at your personal T1 income. We use your corporation’s actual net income.
No — you keep your existing tax strategy. We qualify you without changing how much you pay yourself.
Most approvals take 30–60 days, depending on the lender.
Yes. We coordinate with your accountant directly so nothing changes on your end.
Yes. This program is specifically designed for incorporated owners and PRECs.

See how much you can save!

Take 60 seconds and see how much you can save.

✔ No-Cost Setup Guarantee

✔ Switch-Back Guarantee (30 Days)

✔ Hands-Off Promise — we deal directly with your lender

✔ Accountant Coordination Included

Book a call

No cost. No risk. Just results.