Working Two Jobs and Still Denied a Mortgage?
Here’s How We Turned a “No” Into a Funded Deal. - When lenders assumed it wasn’t sustainable, we proved otherwise and helped our client move closer to homeownership.
🧩 The Challenge
Our client was the definition of hardworking — juggling two jobs, each close to full-time hours, and earning a strong combined income. But when they applied for a mortgage, the first lender immediately rejected the application. The reason?
“We don’t think this schedule is sustainable.”
The lender viewed both jobs as variable income (i.e., inconsistent, uncertain) and applied a standard policy: two-year average required for variable income. Since one of the jobs was less than a year old, they wouldn’t even consider it, despite the client’s ability to consistently manage both roles.
📌 This is a common roadblock for:
🟢 People working two part-time jobs 🟢 Side hustlers, entrepreneurs, or multi-income workers 🟢 Applicants with income from contracts or hourly roles
♟️Strategies
🧮 Mortgage Structure Adjustments
🧠 Storytelling Focus
🛠 Mortgage Restructuring:
Shifted from a 30-year to a 25-year amortization.
Opted for <20% down payment to involve CMHC/Sagen insurer (boosting lender confidence).
Chose balance-sheet lenders over investor-backed institutions for flexibility.
Avoided lenders with strict 2-year average income rules.
🎯 Narrative-Driven Advocacy:
Created a detailed hourly breakdown of work schedules for two-job client.
Presented prior experience to show long-term viability in similar roles.
Explained year-round viability of the bike business: fat biking, tourism, event support.
Positioned both clients as stable, reliable, hard-working Canadians — not “variable income risks.”
📝 The Outcome
🏠 Mortgage approved by a bank lender ✅ No two-year average required 🤝 Lender confidence rebuilt with the help of thoughtful narrative and a transparent breakdown
🎯 This wasn’t just about income — it was about humanizing a hardworking applicant, reframing assumptions, and choosing the right lender for the story.
💡 What You Can Learn from This
🔑 If you have two jobs:
Lenders may see it as unstable unless you’ve done both for 2+ years
Even if you’ve only worked one job for <1 year, past experience matters
The key isn’t just paperwork — it’s presentation and strategy
🧠 Broker Insights:
Variable income ≠ unreliable income
Some lenders listen — you just need to choose the right one
Tell your story. Don’t let the default box define your file
Watch Our Latest Videos !!
Proving Income Stability with Two Jobs !!
When lenders assumed it wasn’t sustainable, we proved otherwise and helped our client move closer to homeownership.
📞 Call to Action
Facing pushback due to your job or income style?
Let us help tell your story — and find the right mortgage solution for you.
“You’re not alone if you’re working hard at multiple jobs to support your family. The system may not always understand it — but we do.”
Let’s turn your hustle into homeownership. We’ll build your case with clarity, honesty, and the credit you deserve.
📞604-809-3188 | 📧 paul.davidescu@mortgagepal.ca