Get approved with alternative income verification. Competitive rates for business owners, contractors, and freelancers across Ontario.
Simple process designed for self-employed professionals
Provide business documentation and income verification based on your situation.
We review your income using flexible methods tailored for self-employed borrowers.
Receive approval with competitive rates and terms that work for your business.
Complete the process and get your mortgage funded quickly.
Traditional lenders often make it difficult for self-employed individuals to qualify for mortgages due to strict income verification requirements. We specialize in alternative documentation methods that recognize the unique financial situations of business owners, contractors, and freelancers in Ontario.
Incorporated or unincorporated business owners with 2+ years of operation.
Independent contractors and freelancers with consistent income history.
Sales professionals and agents earning primarily through commissions.
Uber drivers, delivery workers, and other gig economy professionals.
Multiple pathways to approval based on your documentation and situation
Best For: Established businesses with strong financials and good credit
What helps and what hurts your application
Don't meet all the criteria? We work with multiple lenders and can often find solutions even for challenging situations. Book a consultation to discuss your specific circumstances.
Get approved in as little as 2 weeks
Discuss your situation and submit application with initial documentation.
1-2 daysWe review your income documentation and match you with the right lender.
2-3 daysReceive conditional approval and complete property appraisal.
4-5 daysGet final approval, sign documents, and receive funding.
3-4 daysPrepare these documents to streamline your application process
Note: Exact requirements vary by lender and your specific situation. We'll provide a personalized checklist during your consultation.
Understanding the key differences
| Feature | Self-Employed | Traditional |
|---|---|---|
| Income Verification | Tax returns, bank statements, or stated income | T4 slips and pay stubs |
| Documentation Required | More extensive business documentation | Simple employment letter |
| Down Payment | Often 10-35% required | As low as 5% |
| Interest Rates | Competitive with A/B lenders | Best rates with A-lenders |
| Approval Time | 2-4 weeks | 1-2 weeks |
| Flexibility | Multiple income verification options | Standard verification only |
While self-employed mortgages require more documentation, we specialize in making the process as smooth as possible with flexible verification options tailored to your business structure.
Real self-employed Ontarians who got approved
"As a contractor, I thought getting a mortgage would be impossible. The team found me a great rate with an alternative lender and made the whole process easy."
David K.
Contractor • Toronto, ON
"I own a small consulting business and was worried about my fluctuating income. They helped me get approved using my bank statements. Highly recommend!"
Sarah M.
Business Owner • Ottawa, ON
"After being turned down by my bank, I found this team. They understood my freelance income and got me approved within 2 weeks. Excellent service!"
Michael T.
Freelancer • Mississauga, ON
Everything you need to know about self-employed mortgages
Download helpful information for self-employed borrowers
Complete guide covering income verification options, lender requirements, and application tips.
Detailed checklist of documents needed for different types of self-employed mortgages.
Compare A-lenders, B-lenders, and stated income programs side-by-side.
Licensed mortgage professional helping self-employed Ontarians across the province
Don't see your city? We serve all Ontario communities. Contact us to confirm service in your area.
Book a free consultation to discuss your self-employed mortgage options
Choose a time that works for you, or contact us directly
