# Igor Perett, Perett Mortgages

> Igor Perett helps self-employed people and business owners in Markham and across Ontario get a mortgage, including after a bank has said no.

Igor Perett is a Mortgage Agent Level 1 (FSRA licence #M26000762) with Affinity Mortgage Solutions Inc., Dominion Lending Centres (brokerage #13093, independently owned and operated). Office: 300-140 Allstate Parkway, Markham, ON L3R 5Y8. Phone (647) 299-4088, igor@perettmortgages.ca. Updated 2026-10-18.

## Start here
- [Who is Igor Perett](https://perettmortgages.ca/igor-perett): facts, official profiles, older descriptions and what he is not the same as
- [Answers](https://perettmortgages.ca/answers): mortgage questions people in Markham ask, answered in plain words
- [Source notes](https://perettmortgages.ca/source-notes): what Igor can be cited for and where each fact comes from

## Services
- [Self-employed mortgages](https://perettmortgages.ca/self-employed-mortgages): how lenders look at business income in Ontario
- [Declined by your bank](https://perettmortgages.ca/declined-by-your-bank): what to do after a bank says no
- [Mortgage solutions](https://perettmortgages.ca/mortgage-solutions): buying, renewal, refinancing, investment property
- [Buying a home](https://perettmortgages.ca/mortgage-solutions/buying-a-home): before you make an offer
- [Mortgage renewal](https://perettmortgages.ca/mortgage-solutions/renewal): compare before you sign
- [Refinancing](https://perettmortgages.ca/mortgage-solutions/refinancing): equity, debt consolidation, penalties
- [Investment property](https://perettmortgages.ca/mortgage-solutions/investment-property): rental income and down payments
- [About Igor](https://perettmortgages.ca/about-igor): background and how he works
- [Calculators](https://perettmortgages.ca/calculators): payments, affordability, land transfer tax and more
- [Rates](https://perettmortgages.ca/rates): lenders' published rates with the date checked

## Guides
- [Salary vs. Dividends: What Matters When You Apply for a Mortgage?](https://perettmortgages.ca/guides/salary-vs-dividends-mortgage): Salary, dividends, or both? Learn why business-owner income may be treated differently for mortgage qualification and which documents may matter.
- [Can You Get a Mortgage With Less Than Two Years Self-Employed?](https://perettmortgages.ca/guides/less-than-two-years-self-employed): Self-employed for under two years? Learn what may matter to a lender, including previous experience, predictable earnings, reserves and documentation.
- [Mortgage Payment and Mortgage Qualification Are Not the Same Thing](https://perettmortgages.ca/guides/mortgage-payment-vs-qualification): A payment you can afford doesn't mean a lender will approve the mortgage. Learn how qualification differs from payment affordability.
- [What to Review Before You Renew Your Mortgage](https://perettmortgages.ca/guides/what-to-review-before-renewing): Mortgage renewal coming up? Review your rate, term, penalties, prepayment options, plans and switching costs before signing another mortgage term.
- [Straight Switch vs. Refinance: Why the Difference Matters](https://perettmortgages.ca/guides/straight-switch-vs-refinance): The difference between a mortgage straight switch and a refinance: loan amount, amortization, qualification, and why it matters at renewal.
- [How Lenders May Treat Rental Income When You Apply for a Mortgage](https://perettmortgages.ca/guides/how-lenders-treat-rental-income): Rental income may help mortgage qualification, but lenders do not always use 100% of the rent. Learn about gross-rent and net-rental approaches.

## Contact
- [Start My Review](https://perettmortgages.ca/start-my-review): a short form, no credit check to start

## Optional
- [Full text for AI tools](https://perettmortgages.ca/llms-full.txt): the reference pages, every answer and every guide in one file