Self-Employed? Get a Mortgage Without the Bank Hassle
You’ve built your business—now let’s help you buy your home. We offer flexible mortgage options tailored to freelancers, small business owners, and gig workers.
Mortgages Designed for Self-Employed Canadians
Securing a mortgage when you’re self-employed shouldn’t be harder than running your own business—but traditional lenders often make it feel that way. We offer mortgage solutions that are built for real entrepreneurs, freelancers, gig workers, and small business owners across Canada.
Whether you’re buying your first home, refinancing to improve cash flow, or consolidating business-related debt, we match you with mortgage products that recognize your full financial picture—not just your income on paper.
Our self-employed mortgage services include:
- Bank statement and low-doc mortgage options
- Equity-based financing and private lending
- Access to credit unions and flexible alternative lenders
- Custom solutions for recently self-employed individuals
No matter how long you’ve been self-employed, we’re here to make sure your business success translates into homeownership success. With competitive rates, personalized support, and a fully digital process, getting a mortgage is simpler than you think.
Why Traditional Lenders Say No—And Why We Say Yes
Why do customers love working with us?
Got Questions? We’ve Got You
FAQ
Yes, you can. While traditional lenders often require two full years of tax returns, we work with alternative lenders who understand the ups and downs of self-employment. Many offer stated income or low-documentation options where your bank statements, invoices, or even projected income can be used to demonstrate your ability to repay the mortgage. If you've been self-employed for as little as 6 to 12 months, we may still be able to find a lender who will consider your application.
They can be—but not always. The rate you receive depends on your credit history, down payment, loan amount, and how your income is verified. If you’re using a stated-income or equity-based product, the rate may be slightly higher than a traditional mortgage. However, we work with over 50 lenders to compare offers and find you the most competitive terms available for your profile.
The documents vary depending on the lender and the type of product, but commonly requested items include recent business bank statements (typically 6–12 months), Notice of Assessments from CRA, financial statements from your accountant, GST/HST returns, and proof of business registration or incorporation. If you're applying through a credit union or private lender, the documentation may be even more flexible.
It’s possible. Some lenders will consider applicants who have been self-employed for less than a year, especially if you have a strong financial background or were in the same field before going out on your own. If you have home equity, a co-applicant, or a larger down payment, your chances improve significantly. We’ll assess your full financial picture and match you with a lender that suits your situation.
No, simply inquiring or discussing your options will not affect your credit. We only run a credit check when you're ready to proceed with an application, and even then, we do it carefully to avoid unnecessary pulls. Our process is designed to protect your credit and ensure it’s only checked when necessary.
Yes. If you already own a home, tapping into your equity is a great way to qualify—especially if your income on paper doesn’t reflect your actual financial strength. We can help you access up to 80% of your home’s value through refinancing or a second mortgage, using your equity as the main qualifier instead of your income alone.
Absolutely. We only work with licensed and reputable lenders in Canada, including major credit unions, trust companies, and private lenders who specialize in mortgages for self-employed clients. Each one is vetted, transparent, and follows strict lending regulations to protect borrowers like you.
Depending on your documentation and the lender type, approval can take anywhere from 24 hours to a few business days. If you're organized and can provide everything up front, we can often secure a pre-approval very quickly. For equity-based or low-doc applications, timelines tend to be faster than traditional bank processes.
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