What if I write off a lot of expenses?

This is common for self-employed borrowers. Tax-efficient strategies that reduce your taxable income can make it harder to qualify traditionally. We have stated income programs and alternative lenders who look at your gross revenue and business health rather than just your declared income.

How many years of self-employment do I need?

Most lenders require at least 2 years of self-employment history. Some alternative lenders may consider borrowers with 1 year of history. Having a strong credit score and down payment can help.

Do I need a larger down payment?

For traditional lending, the standard minimums apply. For stated income or alternative programs, a minimum of 10-20% down payment is typically required.

Can I qualify using bank statements instead of tax returns?

Yes, some alternative lenders offer bank statement programs that look at deposits over 12-24 months rather than declared income on tax returns. This can be an excellent option for business owners with strong cash flow but lower reported income.

Mortgage Service

Self-Employed Mortgages

Mortgage solutions designed for business owners

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Overview

Self-Employed Mortgage Solutions in Ontario

Self-employed? Business owner? Freelancer? Getting a mortgage can be more challenging when your income isn't a simple T4 salary. I specialize in self-employed mortgage solutions and work with lenders who understand non-traditional income. Whether you can fully document your income or need a stated income program, I have solutions that work.

Have questions? Call us directly647-222-7071

Benefits

Why Self-Employed Borrowers Need a Specialized Mortgage Agent

Stated income and alternative documentation programs
Business-for-self (BFS) lending solutions
Lenders who understand self-employed income
Competitive rates even without traditional income proof
Help with income structuring and documentation
Experience with various business structures (sole prop, corp, partnership)

Getting a mortgage when you are self-employed in Ontario does not have to be difficult. Many business owners, freelancers, and contractors report lower personal income on their tax returns for legitimate tax planning reasons, which can make qualifying through traditional channels challenging. We specialize in finding mortgage solutions designed specifically for self-employed Canadians.

We work with lenders who offer stated income programs, bank statement programs, and alternative income verification methods that look beyond your Notice of Assessment. Whether you are a sole proprietor, incorporated business owner, or independent contractor, we match you with the right lender and program based on your actual financial picture, not just your declared income.

From Brampton to Toronto to Mississauga and across Ontario, we have helped hundreds of self-employed clients purchase homes, refinance, and access equity. Our deep relationships with alternative and private lenders mean we can find competitive rates even for complex income situations.

How It Works

How Self-Employed Borrowers Get Approved

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Income Assessment

We review your business income, tax returns, and financial statements to determine the best approach.

Program Selection

We match you with the right lending program - traditional, stated income, or alternative.

Documentation

We help you prepare the right documentation to present your income in the strongest way.

Approval

We submit to the best-fit lender and negotiate the best rate for your situation.

Areas We Serve

Self-Employed Mortgage Services Across the GTA

We provide self-employed mortgages services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby