Self-Employed Mortgages
Specialized mortgage solutions for business owners, freelancers, and independent professionals in Ontario.
Being self-employed should not prevent you from achieving homeownership or accessing your home equity. Traditional lenders often struggle with non-traditional income documentation, but many lenders have programs specifically designed for self-employed borrowers. I specialize in finding lenders who understand self-employed income and can use business financials, bank statements, or declared income to qualify you.
Who Is This For?
- Business owners (sole proprietors, incorporated, partnerships)
- Freelancers and independent contractors
- Commission-based sales professionals
- Gig economy workers with variable income
- Professionals who write off significant business expenses
Common Goals
- Qualify for a mortgage despite non-traditional income documentation
- Get approved based on true earning capacity, not just line 150
- Purchase a home or investment property
- Refinance an existing mortgage with better terms
- Access equity for business or personal use
How It Works
We review your business structure, income history, and financial goals during a free consultation.
I determine the best documentation approach: stated income, bank statement program, or full income verification.
I match you with lenders who have self-employed-friendly programs and competitive rates.
I guide you through the application, ensuring your documentation tells the strongest story to the lender.
Important Considerations
- *Some programs may require a larger down payment (typically 10-20%).
- *Rates may be slightly higher for stated income programs.
- *Strong business history (2+ years) strengthens your application.
Self-employed mortgage products are subject to lender approval. Income verification methods vary by lender. O.A.C. Rates and terms subject to change.
Ready to Get Started?
Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.
Subject to lender approval. O.A.C.
Typical Documents Needed
- 2 years of T1 Generals with Statement of Business Activities
- Notice of Assessment (2 years)
- Business financial statements (if incorporated)
- 6-12 months of business bank statements
- Articles of incorporation or business licence
- Government-issued photo ID
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Advertising Disclosure: Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443) at 8Twelve Mortgage Corp. (Brokerage Licence #13390). All mortgage products and services are subject to lender approval. O.A.C. Rates and terms are subject to change without notice. This page is for informational purposes and does not constitute a commitment to lend.