Self-employed?
T1 income doesn’t tell the whole story. We package self-employment files the way lenders need to see them — and we know which lenders actually approve them.
How we handle self-employed mortgagesMortgage Broker · NS, NB, AB & PEI
The mortgage broker for complex files.The mortgage broker for complex files in Nova Scotia, New Brunswick, Prince Edward Island, and Alberta.
10 years. 250+ five-star reviews. 50+ lenders. English, Hindi & Punjabi.10 years funding mortgages other brokers couldn’t — 250+ five-star reviews, 50+ lenders, and we speak Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
★★★★★250+ five-star reviewsNS Broker #2025-3000996Licensed in NS, NB & AB50+ lendersFree service
Free tools
Run the numbers yourself
No sign-ups, no lead forms — just the calculators Rahul uses with clients every day.
Mortgage payment calculator
See your monthly payment and the maximum home you'd qualify for.
Try itDebt consolidation calculator
Roll credit cards and loans into your mortgage and see what it saves.
Try itInvest vs pay down
Should you pay down faster or invest the extra? See the 15-year answer.
Try itRealtor calculator
For agents to run buyer numbers on the spot — no lead gate.
Try itTrack your home's value
Free homeowner dashboard from our partner Ownwell.
Try it
Lender network
50+ lenders, one phone call
We compare rates and products across the big banks, monolines, and credit unions so you don't have to.
- TD
- RBC
- Scotiabank
- BMO
- CIBC
- National Bank
- Tangerine
- Manulife
- MCAP
- First National
- Equitable Bank
- Home Trust
- CMLS
- Strive
- Lendwise
- Merix
- RFA
- Community Trust
- ATB Financial
- Servus Credit Union
- East Coast Credit Union
- B2B Bank
- Canadian Western Bank
- HomeEquity Bank
- Bridgewater Bank
Lender access varies by file. We'll match you with the right one — not the one paying the highest commission.
A mortgage broker built for real-life files
Most mortgage applications in Atlantic Canada aren't textbook. You might be self-employed, newly arrived, rebuilding credit, buying with a parent, or juggling a rental property alongside a primary home. Banks tend to say "no" to anything that doesn't fit a single template — Rahul Bedi spends his days finding the lenders who say "yes" to the rest.
Over the last ten years, Rahul has worked with more than 50 lenders across Nova Scotia, New Brunswick, Prince Edward Island, and Alberta — big banks, credit unions, monoline lenders, and private capital. That breadth matters: instead of forcing your file into one bank's box, your application gets matched to the lender whose program is actually designed for your situation, your income, and your timeline.
The service is free to you. Lenders pay the broker, so you get independent advice, plain-language explanations, and someone who answers WhatsApp messages at 9pm when you're staring at a condition removal deadline. Whether this is your first home, your fifth, or a renewal you're not sure about, the first call is a free conversation — no paperwork, no pressure.
What clients say
250+ five-star reviews
Real clients. Real stories. Most of them started with someone saying ‘I don’t think we’ll qualify.’
★★★★★
“Rahul found us a rate our bank couldn't match. Closed in 3 weeks.”
— Sarah M., Halifax
★★★★★
“We didn't think we'd qualify. Rahul made it happen in Punjabi.”
— Karan & Priya, Dartmouth
★★★★★
“Available at 9pm answering questions. That's real service.”
— James T., Bedford
★★★★★
“Made the whole process feel simple, even for a first-timer.”
— Aisha K., Charlottetown
★★★★★
“Rahul walked us through every document in Urdu. Our parents understood everything.”
— Ahmed & Fatima, Moncton
★★★★★
“Self-employed and told 'no' by two banks. Rahul found a lender who said yes.”
— David R., Truro
★★★★★
“He called us on a Sunday with a better rate he found. Who does that?”
— Lisa & Mark, Halifax
★★★★★
“Renewed our mortgage and saved us thousands. Honest, no-pressure advice.”
— Robert C., Bedford
How we work
The white-glove experience.
What you get with every file — whether it's a $300K first home or a $3M commercial refinance.
Digital Applications
Apply from your phone in 10 minutes. No printing, no faxing, no in-person paperwork unless you want it.
Secure Document Collection
Bank-grade encrypted upload portal so pay stubs, IDs, and tax docs never sit in an email inbox.
Full Closing Coordination
We chase appraisers, lenders, lawyers, and insurance — you get updates, not assignments.
Lawyer & Realtor Communication
We loop in your team and keep everyone aligned, so there are no last-minute surprises at signing.
Ongoing Mortgage Reviews
Annual check-ins to make sure your mortgage still fits your life — rate, term, equity, and goals.
Long-Term Strategy Planning
Refinance windows, renewal timing, the next purchase — we map your mortgage years ahead, not deal by deal.
Some mortgages are easy. Yours doesn’t have to be one of them.
Most brokers are great when your file is straightforward. Steady job, clean credit, big down payment — anyone can place that file. But what if your situation isn’t that simple? What if your bank already said no? That’s the work Rahul has been doing for 10 years.
New to Canada?
On a work permit, fresh PR, or just landed? You don’t need three years of credit history. We’ve helped hundreds of newcomers buy their first Canadian home — and Rahul can walk you through it in English, Persian, Hindi, Punjabi, Gujarati, Vietnamese, or Indonesian.
Mortgages for newcomersBruised credit, past bankruptcy, or consumer proposal?
Your credit score isn’t the end of the conversation. We know the B lenders, the private lenders, and the rebuild paths that get people back into homes when banks won’t.
Bad credit & complex filesWhat we do
Every kind of mortgage. One broker who keeps it simple.
Whether you are buying your first home, refinancing to pull equity, or fielding a private bridge between sale and purchase — here is what we handle.
Home Purchase Mortgages
First home, move-up, downsize, condo, rural, or new build — pre-approval that actually holds.
Pre-Approvals
Real underwriter-vetted approvals with rate holds and offer-table-ready letters — not soft online quotes.
Mortgage Renewals
Don't sign your bank's renewal letter. We start the conversation 4 months early.
Mortgage Refinancing
Pull equity, consolidate debt, fund a renovation, or restructure for better cash flow.
Self-Employed Mortgages
Contractors, business owners, gig workers — lenders that read past line 150.
New to Canada
PR, work permit, foreign income — programs built for newcomers without 2 years of credit.
Bad Credit & B-Lender
Lower score, post-bankruptcy, consumer proposal — there's almost always a path.
Private Lending
Equity-driven approvals, fast closes, bridge loans, foreclosure prevention — funded in days.
Investor Financing
Rental, multi-unit, BRRRR, Airbnb — financing that scales with your portfolio.
Construction Mortgages
Custom builds, renovations, owner-builder, draw schedules — from foundation to occupancy.
Reverse Mortgages
55+ homeowners — tax-free equity, no monthly payments, stay in the home you love.
Multilingual Service
Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English — for you and the family meeting at the kitchen table.
All Services Hub
Every mortgage we offer in NS, NB & AB on one page — see the full menu.
Pre-approvals same-day. Complex files our specialty. 50+ lenders.
Where we work
Atlantic Canada, fully covered.
Nova Scotia · New Brunswick · Prince Edward Island · Alberta
Rahul is licensed in Nova Scotia, New Brunswick, and Alberta (AB RECA #LIC-00668583), and serves PEI buyers and homeowners directly under PEI regulations — no separate PEI broker license is required for mortgage brokering on the Island. We help clients in person around Halifax and virtually anywhere across NS, NB, AB & PEI, with Alberta clients served remotely from the Bedford, NS office.
Why work with Rahul
Why people choose Rahul
10 years in mortgages
Rahul has placed thousands of files across Atlantic Canada — from clean A-lender approvals to the complicated ones nobody else would touch.
Same-day pre-approvals when timing matters
Found a house you love? Don’t lose it to financing delays. We move fast when fast is what’s needed.
Free for you, paid by lenders
Mortgage brokers in Canada get paid by the lender, not you. There’s no fee for our work — and we still find the best rate on the market.
Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English
We work with newcomers, second-generation Canadians, and South Asian families across the region. Rahul can walk you through the whole process in the language you’re most comfortable in.
Ready when you are
Three ways to start
No pressure, no fees. Just a real conversation about what you’re trying to do.
Call, text, or WhatsApp Rahul
Faster than email. Rahul answers his own phone.
Start an application
Have everything ready? Submit a full application and we’ll move it forward.
Start application