Commercial Mortgages & Loans
Financing for owner-occupied, investment and mixed-use commercial property. Creative structures and faster approvals for business owners and investors the banks keep at arm's length.
Discuss your deal
Burlington · Hamilton · Mississauga · Milton
Commercial & self-employed mortgage broker —
Commercial & self-employed mortgage broker —
approved when the banks say no.
Self-employed, incorporated, or buying commercial property with income the big banks can't make sense of? Nicole Reynolds is a licensed commercial and residential mortgage broker with access to alternative and private lenders — structuring fast approvals for borrowers across Burlington, Hamilton, Mississauga and Milton.
Fees, pricing, documents, requirements, and timelines are always discussed and disclosed up front! Expert advice, transparency, and communication with solutions!
AMP Accredited
7 years of experience
250+ clients funded
Access to alternative & private lenders
Nicole Reynolds
Licensed Mortgage Broker · AMP
No cost · No obligation
Book your free mortgage strategy session
Tell me about your file and I'll review your options — usually within one business day. A real broker, not a call centre.
Trusted by self-employed & commercial borrowers across the Halton–Hamilton corridor
FSRA-Regulated Broker
Accredited Mortgage Professional
Commercial + Residential Licensed
Alternative & Private Lending
FSRA-Regulated Broker
Accredited Mortgage Professional
Commercial + Residential Licensed
Alternative & Private Lending
Why borrowers choose Nicole
The specialist for the files other brokers pass on.
Nicole Reynolds
Licensed Mortgage Broker · AMP · 7 Years
"A 'no' from your bank is the start of my work — not the end of yours. I find the lender and the structure that gets you funded."
Lenders the banks can't offer
Access to a wide network of alternative and private lenders. When the major banks decline, that's where solutions actually begin.
Built for complex files
Self-employed income, multiple properties, unconventional structures — a solutions-oriented approach to the deals that don't fit a checklist.
Commercial + residential licensed
Dual licensing means one broker for your business property and your home — fewer hand-offs, clearer answers, faster closings.
A broker who answers
You deal directly with me, start to funding — built on integrity and straight communication, never a call-centre queue.
What I finance
Mortgage solutions for business owners and the self-employed.
Most searchers in this space are underserved by their bank or need a faster, more creative structure. That's exactly the work I specialise in.
Business-for-Self (BFS) Mortgages
Stated-income and alternative-documentation solutions for incorporated and self-employed borrowers. Get approved on the strength of your business — not just a T4 slip.
Check your optionsAlternative & Private Lending
When timing or circumstances rule out the big banks, access B-lenders and private capital to bridge, refinance or fund your deal on your timeline — not theirs.
Find a lender
A proven track record
Seven years of getting borrowers to "approved."
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Years as a licensed broker
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Clients funded over a career
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Cities served across the corridor
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Independent, client-first advice
How it works
From first call to funded — four clear steps.
1
Book your free session
Call or submit the form. I review your situation at no cost — usually within one business day.
2
We map your options
I assess your income, goals and timeline, then match you to the right lenders — banks and beyond.
3
Get your approval
I structure and submit your file, negotiate terms, and keep you posted until you have a firm approval.
4
Fund and move forward
Sign, close and put the financing to work — with a broker you can call again anytime.
Questions, answered
What self-employed & commercial borrowers ask most.
Yes. Business-for-self mortgages are a core part of what I do. Many self-employed borrowers are declined by the big banks simply because their income doesn't fit a standard template. Through alternative-documentation and stated-income programs — and lenders who understand business owners — I can get you approved on the real strength of your business.
A commercial mortgage finances property used for business — owner-occupied premises, investment buildings, retail, industrial or mixed-use. It's for business owners and investors who need flexible underwriting and creative structures their bank often can't provide. Deal values are typically larger, so the right structure matters.
Often, yes — a bank "no" is where my work begins. Banks lend to a narrow box. As an independent broker with access to alternative and private lenders, I look at your file from angles a single institution can't, and find lenders whose criteria actually fit your situation.
Alternative ("B") lenders and private lenders sit outside the major banks and offer more flexible underwriting — useful for self-employed income, credit hurdles, unique properties or tight timelines. They can move quickly and consider the full picture. I'll always explain the trade-offs clearly so you can choose with confidence.
I work with clients across Burlington, Hamilton, Mississauga, Milton and Halton Hills — the wider Halton–Hamilton corridor. Based in Burlington, I know the local market and the lenders who lend well in it.
Your strategy session is completely free, with no obligation. In fact, working with me typically costs you nothing at all — in most cases my compensation is paid by the lender once your mortgage funds, not by you. We'll review your goals and options so you know exactly where you stand before deciding on any next step.
Both. I'm licensed as a commercial and residential mortgage broker, so I can finance your business property and your home — and structure deals that touch both. That dual perspective is a real advantage for business owners.
It depends on your file, but speed is a priority — alternative and private lenders can often move faster than the banks, and I typically review new files within one business day. Book a session and I'll give you a realistic timeline for your specific situation.
Let's get you funded
Let's find your yes.
A free, no-obligation strategy session with a licensed commercial and self-employed mortgage broker serving Burlington, Hamilton, Mississauga & Milton. Real answers, fast.
- Free strategy session — no cost, no obligation
- Access to alternative & private lenders
- A real broker who answers — usually within one business day