Mortgages Built for the Self-Employed
Stated Income Programs
Qualify based on stated income for established businesses with strong track records.
Bank Statement Qualification
Use 12-24 months of bank statements to prove income instead of traditional pay stubs.
Use Corporate Income
Leverage corporate income and add-backs to boost your qualifying power.
Competitive Rates
Access rates similar to traditional employment for strong self-employed profiles.
Flexible Documentation
Alternative documentation options that work for entrepreneurs and business owners.
Up to 90% LTV
Strong self-employed profiles can qualify for up to 90% loan-to-value financing.
Being Your Own Boss Shouldn't Hold You Back
Self-employed borrowers often face frustration with traditional banks that demand W-2 pay stubs and two years of consistent T4 income. But being your own boss shouldn't stop you from getting a great mortgage. We specialize in programs designed for entrepreneurs, freelancers, and business owners.
Income Doesn't Tell the Whole Story
Many self-employed professionals write off legitimate expenses to reduce taxable income — which is smart for taxes but hurts when applying for a mortgage. We know how to present your full financial picture to lenders who understand business ownership.
Programs That Fit Your Reality
From stated income to bank statement programs to corporate add-backs, we match you with the program that reflects your true earning power — not just what shows on line 15000 of your tax return.
Bank Statement Programs Made Simple
If your tax returns don't reflect your real income, a bank statement program may be the answer. Instead of relying on T1s and Notices of Assessment, lenders review 12-24 months of business bank statements to understand your actual cash flow. This program is ideal for established businesses with strong deposits but significant write-offs. We guide you through exactly what's needed and which lenders offer the best terms.
Check My Qualification
Our 3-Step Self-Employed Process
1. Income Review
Review your business structure, tax returns, and bank statements to determine qualifying income.
2. Program Selection
Match you with the best program: stated income, bank statements, or traditional with add-backs.
3. Application & Approval
Submit to lenders who specialize in self-employed borrowers for optimal results.
What You'll Need to Get Started
Being prepared makes the process faster and smoother. While requirements vary by program, most self-employed applicants will need:
Typical Documentation
Two years of Notices of Assessment, T1 Generals, business license or incorporation papers, and 6-24 months of business bank statements. Some programs require only one year of history for established professionals with strong industry experience.
Many self-employed clients qualify for standard rates using income add-backs — you don't always have to accept a higher rate.
Self-Employed Mortgage Frequently Asked Questions
Let's Get You Approved
Don't let self-employment stand between you and your mortgage. We specialize in programs built for business owners. Let's find the right fit.