Self-Employed Mortgage Program
Mortgages Designed for Business Owners & Entrepreneurs
What Is a Self-Employed Mortgage?
A self-employed mortgage is designed for borrowers whose income doesn’t fit neatly into traditional lending boxes. If you’re a business owner, contractor, freelancer, or incorporated professional, this program allows lenders to look beyond standard T4 income.
- Uses stated or alternative income approaches
- Considers business cash flow, retained earnings, and gross income
- Ideal for sole proprietors, partnerships, and incorporated businesses
- Available for purchases, renewals, refinances, and equity take-outs
Is This Program Right for You?
A self-employed mortgage may be a strong fit if you:
- Are self-employed or incorporated
- Write off business expenses that lower your net income
- Have at least 2 years of self-employment history
- Have strong credit and a reasonable down payment or equity
Traditional lenders often focus only on taxable income — not the real picture. I work with lenders who understand how self-employed income actually works and structure solutions accordingly.
Let’s Talk About Your Options
Being self-employed shouldn’t limit your homeownership goals. Whether you’re buying your first home, refinancing, or accessing equity, I’ll walk you through the options that make sense for your business and your future.