Self-Employed Mortgages

Your Business Built It.
Let's Help You Buy It.

Banks see write-offs and complexity. We see a successful entrepreneur. Our specialist team helps self-employed professionals and business owners in Vaughan, Woodbridge, Thornhill, and across York Region get approved on their terms.

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Who This Is For

Built for York Region's Business Builders

Whether you run an IT consultancy in Woodbridge, own a restaurant in Thornhill, or operate as an incorporated contractor in Richmond Hill — if you earn income outside the traditional T4 box, this is for you.

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Incorporated business owners and sole proprietors

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Independent contractors and consultants

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Freelancers with variable or project-based income

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Real estate investors and property owners

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Professionals with significant business write-offs

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Tradespeople and skilled trades business owners

What We Solve

The Real Barriers Self-Employed Buyers Face

These are the exact roadblocks our clients come to us with — and that we solve every day.

Declared Income Is Too Low

You write off legitimate business expenses — great for taxes, tough for the bank. We work with lenders who look at your gross revenue and the real picture of your earning capacity.

Documentation Is Complex

T1 Generals, NOAs, business financials, shareholder agreements — we know exactly which documents each lender needs and how to package your application to maximum effect.

Bank Declines at the Last Moment

Self-employed applicants are often declined by big banks after weeks of waiting. Our 40+ lender network means we find the right lender before we submit — not after.

Less Than 2 Years Self-Employed

Recently made the leap to entrepreneurship? Some lenders have solutions for business owners with less than two years of self-employment income history. Let's explore your options.

Credit Score Concerns

Business credit, personal credit, corporate lines — managing multiple accounts can affect your profile. We review your full picture and advise you on optimizing before you apply.

Stress Test Pressure

The stress test hits self-employed applicants especially hard. We run your numbers through every qualifying scenario — including stated income and insured programs — to find the path that works.

Our Approach

How We Get Self-Employed Clients Approved

1

Income Reconstruction

We review your T1 Generals and business financials to identify the strongest income picture across multiple lender calculation methods.

2

Lender Matching

We pre-screen your file across 40+ lenders before submitting — matching you to the lender whose underwriting criteria best fits your profile.

3

Application Packaging

We prepare a clean, compelling application package that tells your story clearly — reducing back-and-forth and speeding up approval.

4

Rate Optimization

If you qualify for multiple programs, we compare total cost of borrowing — not just rate — to find the product that genuinely saves you money.

40+
Lenders Searched for
Your Ideal Match
2 yrs
Typical documentation
window for self-employed
A+
to Alternative lenders —
we work across all tiers

Common Questions

Self-Employed Mortgage FAQ

Most traditional lenders require two years of self-employment income history supported by T1 Generals and Notices of Assessment. However, some credit unions and alternative lenders have programs for applicants with less than two years self-employed, especially if you were previously in the same field as a T4 employee. We'll assess your timeline and find the best available option.
It depends on the lender. Traditional lenders typically use the Line 15000 (gross total income) from your T1 General, averaged over 2 years. Some lenders use "add-back" methods that incorporate legitimate write-offs like CCA, business-use-of-home, and depreciation. Alternative lenders may use a percentage of gross revenue. We identify which method gives you the strongest qualifying income.
Not necessarily. Self-employed applicants with strong credit, a 20%+ down payment, and 2+ years of filed taxes often qualify for competitive A-lender rates identical to those offered to T4 employees. If your situation requires a B-lender or alternative lender due to income challenges, rates will be somewhat higher — but we always work to get you back to A-tier at your next renewal once your income documentation strengthens.
Absolutely. Joint applications where one applicant is T4-employed and one is self-employed are common — and the T4 income can significantly strengthen your qualifying position. We'll structure the application to maximize both income profiles while minimizing documentation complexity.
Core documents for most self-employed applications include: T1 Generals (last 2 years), Notices of Assessment (last 2 years), 3–6 months of personal bank statements, business bank statements, and evidence of business registration (Master Business Licence or Articles of Incorporation). If incorporated, you may also need your most recent year of corporate financial statements. We'll give you a personalized checklist during your free strategy call.

Free Tool

Not sure where you stand?

Take our 2-minute Mortgage Readiness Scorecard and get a personalized assessment of your position — including recommended next steps tailored to self-employed buyers.

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Get Started

Ready to Talk About Your Mortgage?

Book a free, no-obligation strategy call. We'll review your situation, explain your options, and give you a clear picture of what's possible — before you fill out a single form.

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