Self-Employed
Mortgages in Canada
Your headquarters for self-employed mortgages in Canada.
We help business owners get their self-employed mortgage applications approved.
WE WORK WITH CANADA'S TOP SELF-EMPLOYED MORTGAGE LENDERS
TD Canada Trust | Scotiabank | First National | RMG Mortgages | National Bank
Your dream home is three steps away
No more visiting multiple banks to find the best self-employed mortgage.
Tell us about yourself
Complete a quick online application in under 5 minutes. We only ask for what we need to find the best mortgage for your self-employed mortgage.
We shop multiple lenders
We compare your self-employed mortgage options across Canada’s top banks, credit unions, and alternative lenders on your behalf.
Close on your terms
Choose the best self-employed mortgage option for you and your business - we handle the rest. You can save thousands without the stress.
Your self-employed mortgage, made simple
Banks have limited self-employed mortgage options. We shop different lenders to find the best mortgage for you and your business income.
Pre-approval in as little as 1 hour
Mortgage professional licensed across Alberta & British Columbia
Available evenings and weekends for your convenience
Self-employed mortgage solutions for every stage
Whether you’re buying, renewing, or refinancing, we have the expertise and lender network to help with your self-employed mortgage needs.
Pre-Approval
A pre-approval is the first and most important step when starting the process to purchase your next home.
Purchase
Buy with confidence knowing you are working with a trusted self-employed mortgage specialist
First Time Home Buyer
Buying your first home while self-employed can feel overwhelming.
We make the process easy to understand.
Refinance
A mortgage refinance can help self-employed business owners lower payments, access equity, or consolidate debt to improve cash flow and support their financial goals.
Renewal
Renewing your mortgage is a chance to review your options.
We compare lenders to help you renew with confidence.
Bad Credit
Past credit issues do not have to hold you back—we help self-employed business owners explore mortgage options based on where they are today.
How we help business owners
We help Canadian business owners who:
Have been in business for less than two years
Have lower taxable income due to business write-offs
Have inconsistent self-employed income
Have a lower credit scores
Licensed, Regulated, and Trusted Mortgage Broker in Alberta & British Columbia
Real Estate Council of Alberta
Common self-employed mortgage questions
Can self-employed Canadians qualify for a mortgage?
Yes — self-employed Canadians can absolutely qualify for a mortgage. The key is using lenders and programs that understand business income. With the right strategy, many business owners qualify just as easily as salaried employees.
How do lenders calculate income for self-employed mortgages?
Typically, lenders request your last two years of personal T1 tax returns and Notices of Assessment (NOAs). Depending on your situation & the self-employed mortgage program we are using to qualify, they may also ask for other documents like corporate financials, business bank statements, or proof of business registration etc.
What documents do I need for a self-employed mortgage in Canada?
For a self-employed mortgage in Canada, initially most lenders ask for your last two years of personal tax returns (T1’s) and Notices of Assessment (NOAs). They also commonly ask for corporate financials, business bank statements, business registration documents and other documents related to your business.
How do tax write-offs affect getting a mortgage?
Tax write-offs reduce your taxable income, which can lower the mortgage amount you qualify for. However, many self-employed mortgage programs use alternative income calculations to help offset this impact.
Can I get a mortgage with fluctuating or irregular income?
Yes — fluctuating income is common for self-employed borrowers. Lenders often review a two-year income average or alternative documentation to determine stable qualifying income.
Contact Us
When you’re ready to get started, simply complete the form on this page.
It takes just a few seconds, and I’ll reach out as soon as possible.