Mortgages for the Self‑Employed in Ontario Made Easy!
We translate business income into lender language, secure competitive rates and keep paperwork simple so you can focus on growth, not red tape.
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Our Ontario Lending Advantage
Fast
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Some of the lowest rates anywhere
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free, no-hassle conversation
Why Self‑Employed Borrowers Choose Our Ontario Mortgage Team
Traditional lenders often struggle to read business statements, yet solid cash flow deserves prime rates. From Barrie tech freelancers to Windsor shop owners, we package your income the right way, add back legitimate business expenses and match you with lenders that value entrepreneurship.
Get Your Free ConsultationFAQs for Mortgages for the Self‑Employed in Barrie, GTA, Windsor and Burlington, Ontario
What income documents do I need as a self‑employed borrower?
Most A‑tier lenders want two years of T1 Generals and Notices of Assessment, some accept six to twelve months of business bank statements. Uploading these through our secure portal is easy, whether you are in downtown Barrie or a Windsor industrial park.
Can I qualify if my declared income is lower than my cash flow?
Yes, we work with lenders that use gross deposits or add backs like amortization and vehicle expenses. This approach helps GTA consultants and Burlington builders qualify for larger loan amounts.
How much down payment is required for a self‑employed mortgage?
Mainstream lenders often accept 10 percent if your taxes are current, alternative lenders may ask for 15 to 20 percent. We compare both paths so your cash works hardest for you.
Will my interest rate be higher because I am self‑employed?
Strong documents can secure prime rates equal to salaried borrowers, and we negotiate those every day across Ontario. If an alternative option is better, we outline every fee upfront so you can decide with clarity.
Can I refinance my home to fund my business?
Absolutely, many Barrie entrepreneurs tap equity for equipment or expansion. We structure the refinance to keep payments affordable and recommend confirming tax deductibility with your accountant.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100 percent accurate information.
