Self-Employed Mortgages

Self-employed Canadians often face hurdles with traditional mortgage applications due to variable income, tax write-offs, or non-standard documentation. We specialize in alternative lending solutions designed for business owners, contractors, freelancers, and commission-based professionals.

Programs include stated-income mortgages (requiring 10-35% down), business-for-self (BFS) options that assess cash flow over tax returns, and non-prime lenders who emphasize credit strength and equity over T1 Generals. These solutions allow self-employed borrowers to qualify based on deposits, contracts, or industry standards rather than net income alone.

We review your unique financial profile, recommend the best documentation strategy, and connect you with lenders experienced in entrepreneurial financing. Homeownership shouldn't be out of reach simply because you control your income—our programs ensure self-employed Canadians access competitive rates and flexible terms.

Traditional lenders often struggle to assess self-employed income because tax strategies legitimately reduce reported income. Alternative documentation programs recognize this reality, using bank statements, business revenue patterns, contracts, or industry income benchmarks to qualify borrowers. This levels the playing field for entrepreneurs who run successful businesses but show lower taxable income.

Whether you're a consultant, contractor, small business owner, or commission salesperson, we have lending solutions that recognize your true earning potential. Our expertise in self-employed financing means faster approvals, appropriate documentation requests, and lenders who understand entrepreneurial income structures.