Mortgage for Self-Employed


Small and medium-sized businesses are the engine of the Canadian economy.

When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners as well!

What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

Here are the situations that I deal with:

  • Self-Employed-MortgageCash Income
  • Employed less than 2 yrs
  • New Immigrants
  • No Money Down
  • Good, Bad, No Credit
  • Bankruptcy/Consumer Proposal
  • No Documents/ Defaults/ Collections
  • LTV up to 95%


We’re here to help you beat the banks … give me a call today.

Contact Me or Apply Online

Note: As of May 30, 2014, CMHC will no longer insure a self-employed mortgage if you cannot validate your income. To validate your income, you will have to provide copies of your Notice of Assessment, audited financial statements or unaudited financial statements prepared by an independent third party, for the previous two years.