Self-Employed Borrowers
Mortgages That Work for Your Business
Being your own boss comes with many perks, but when it comes to getting a mortgage, it can feel like the system isn’t designed for you. Traditional lenders often make it harder for self-employed Canadians to qualify, even when they have strong income and financial stability. That’s where we come in. We specialize in helping business owners, freelancers, and independent contractors secure mortgage financing that works for their unique situations.
Why Self-Employed Mortgages Are Different
Unlike salaried employees, self-employed borrowers must prove income in different ways. Lenders may require additional documentation, such as:
Business financial statements
Two years of tax returns (T1 Generals and Notice of Assessments)
Bank statements showing business revenue
A declared income approach if financials don’t reflect true earnings
We work with lenders who understand self-employment income and offer flexible mortgage solutions.
How We Help
Lender Options – We have access to lenders who specialize in self-employed mortgages, making it easier to qualify.
Flexible Income Verification – Whether you write off expenses or have fluctuating income, we help present your finances in the best light.
Lower Down Payment Options – You may not need a large down payment to secure financing.
Strategic Planning – We guide you on how to structure your income and finances to improve mortgage approval chances.
Mortgage Options for Self-Employed Borrowers
Depending on your situation, we can explore:
Traditional mortgages for those with strong financials
Stated income programs for those with non-traditional income reporting
Alternative lenders for more flexibility
Refinancing options to access equity for business growth
Get Approved With Confidence
You work hard for your business—let us handle the mortgage side. Whether you're buying, refinancing, or renewing, we’ll help you navigate the process with ease. Let’s find the best mortgage solution for you.
Get started today!