Our Services

Self-Employed Mortgages

You built your business from the ground up. We'll make sure your mortgage reflects what you actually earn — not just what your tax return shows.

Your income is real — your mortgage should reflect that

Self-employed Canadians are the backbone of our economy. But when it comes to getting a mortgage, the system doesn't always work in your favour. Smart tax planning means lower declared income — and that can make it hard to qualify for the mortgage you deserve.

We work with lenders who understand how self-employment actually works. They look at the full picture, not just line 15000 on your tax return.

The Problem

Banks see low declared income

You write off expenses (as you should), which reduces your taxable income. Traditional lenders see a lower number and decline your application — even though your actual earning power is much higher.

Our Solution

We use your real income

Our lenders accept stated income programs, bank statements, and business financials to qualify you based on what you actually earn — not just what your accountant reports to the CRA.

What you'll need

Requirements vary by program. Click each tab to see what applies to you.

Stated Income Program

For self-employed individuals who write off significant expenses. You declare a reasonable income and the lender verifies your business is active.

2 years of T1 Generals (tax returns)
Notice of Assessments (NOAs)
Proof of business registration or articles of incorporation
6–12 months of business bank statements
Minimum 10% down payment

Traditional Full Documentation

If your declared income is strong enough to qualify, you may get the best rates through a traditional A-lender application.

2 years of T1 Generals including T2125 (business income)
2 years of Notice of Assessments
Financial statements (if incorporated)
Minimum 5% down payment
Access to best available rates

Alternative / B Lender Program

For newer businesses, non-traditional income, or situations where credit history is less than perfect. Slightly higher rates but much more flexible.

As little as 1 year of business history
Bank statements as proof of income
Flexible credit requirements
Minimum 10–20% down payment
Short-term solution with path to A-lender later

Options available to you

Purchase a Home

Buy your first or next property with as little as 5–10% down depending on the program and your income documentation.

Flexible

Refinance & Access Equity

Tap into up to 80% of your home's value to invest in your business, renovate, or consolidate debt.

Flexible

Renewal & Rate Improvement

Don't just sign your bank's renewal letter. We can often find a significantly better rate from another lender.

Growing

Investment Properties

Use your equity and self-employed income to build a rental portfolio and grow your wealth long-term.

Ready to get started?

We specialize in self-employed mortgages. Let us show you what's possible — the conversation is free and confidential.

Get a Free Review →

How it works

Quick Consultation

We review your business structure, income, and goals. Takes about 15 minutes.

Match You to the Right Program

Based on your documentation and situation, we identify which lenders and programs are the best fit.

Submit & Get Approved

We present your application in the strongest possible light and negotiate the best rate on your behalf.

Close & Celebrate

We coordinate with your lawyer, realtor, and accountant to make sure everything goes smoothly.

Common questions

How long do I need to be self-employed?

Most A-lenders require 2 years of self-employment history. However, some B-lenders and alternative programs will work with as little as 1 year. We'll find the right fit based on your timeline.

What if I write off a lot of expenses?

That's exactly who our stated income programs are designed for. We work with lenders who will accept a reasonable stated income backed by your bank statements and business history — not just your tax-declared line 15000.

Will I pay a higher rate as a self-employed borrower?

Not necessarily. If you can qualify through a traditional full-documentation program, you'll get the same rates as salaried borrowers. Stated income programs may carry a small premium (typically 0.10–0.25%), and B-lender programs are slightly higher — but we always find the most competitive option available.

Can I use a corporation or holding company?

Yes. Whether you operate as a sole proprietor, partnership, or incorporated business, we have programs that work with your structure. Incorporated borrowers will typically provide T2 corporate returns and financial statements alongside their personal T1s.

Do I need a larger down payment?

It depends on the program. Traditional full-doc applications require as little as 5% down. Stated income programs typically require 10%, and alternative lenders may ask for 10–20%. We'll help you determine the minimum for your specific situation.

What's Next?

Let's find the right mortgage for your self-employed situation.

Get in Touch

Tell us about your business and goals. We'll map out your options in a free 15-minute call.

Get Pre-Approved

Know exactly what you qualify for before you start shopping for your home or investment.

Learn More →

Mortgage Calculators

Run the numbers on your purchase, affordability, or potential savings.

Calculate Now →