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Why Newmarket Entrepreneurs Trust Our Mortgage Team
More than 150 self-employed professionals and small business owners in Newmarket, Ontario have trusted us to secure the financing they need, tailor each application to their unique income streams, and negotiate competitive rates.
Don’t risk inflexible terms or rising rates eating into your profits. Let our expert mortgage team guide you through every step and protect your bottom line.
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FAQs for Mortgages for Self-Employed Business Owners in Newmarket, Ontario
What documents do we need as self-employed business owners in Newmarket Ontario?
We ask for your last two Canada Revenue Agency Notices of Assessment, business bank statements, and a breakdown of annual expenses. Our team on Main Street can also explore alternative income verification, like sales receipts from the Newmarket farmer’s market.
Can our team secure competitive rates for entrepreneurs in Newmarket?
Yes, we leverage partnerships with chartered banks and private lenders to find the best rates for your business profile. Our local insight into the Yonge Street corridor helps us negotiate terms that suit seasonal cash flow and growth plans.
How do we calculate income for self-employed mortgages in Newmarket?
We average your net business income over the past two tax years as reported on your T1 returns, then adjust for one-time expenses. Our team explains each step so you understand how your Newmarket earnings translate into borrowing power.
How long does approval take for a self-employed business mortgage in Newmarket?
Our streamlined process typically secures approval within 10 to 14 business days, depending on lender requirements and appraisal timing. We work with local appraisers around Holland River and Upper Canada Village to keep your timeline on track.
Are there Ontario programs for self-employed mortgage applicants?
Ontario offers specialized programs, like alternative documentation mortgages through select lenders and the Self Employed Mortgage Program. Our team reviews every option to find the best fit for Newmarket business owners.
Please note: it’s always best to get in touch with our team so we can answer any specific questions and ensure 100% accurate information.
