Self-Employed Mortgages in Ontario
Own your business? I get you approved on your real income — not just what your tax return shows.
Self-employed borrowers are often turned away by the big banks because their write-offs lower their reported income. I work with lenders who understand business owners and offer stated-income and Business-for-Self programs that look at your true earning power — so you can get the mortgage your success deserves.
What you get
Stated-income programs
Lenders that assess your real earning capacity, not just line 150 of your tax return.
Flexible documentation
Bank statements, notices of assessment, and business financials — we use what tells your real story.
Competitive A-lender options
With two years in business and reasonable credit, many self-employed clients still qualify for prime rates.
Add-backs counted
We add back legitimate business deductions to strengthen your qualifying income.
Simple, from first call to close
We review your business income, add-backs, and documentation together.
I match you to the lender whose self-employed program fits you best.
You get approved on your true income, at the best rate available.
Common questions
How long do I need to be self-employed to get a mortgage?
Typically two years, evidenced by your Notices of Assessment. Some lenders consider shorter histories with a strong profile and larger down payment.
Can I qualify if I write off a lot of income?
Yes. Stated-income and Business-for-Self programs are built exactly for this — they assess your reasonable earning power rather than only your net taxable income.
Will I pay a higher rate as a self-employed borrower?
Not necessarily. With solid credit and two years of history, many self-employed clients qualify for the same A-lender rates as salaried borrowers.
Other programs
Let's get you approved
Free, no credit check, no obligation. See your best rate in 60 seconds.
