Self-Employed Mortgages in Ontario
If you're self-employed, your income may not look like a pay stub, and that's okay. I match you with lenders who work with business owners, freelancers and contractors, and I show them your income, credit and assets clearly.
Why a self-employed file is different
Lenders treat business owners differently from salaried employees. The right lender and the right paperwork make the difference, and the earlier we plan, the more options you have.
What I look at
- Your tax returns and Notices of Assessment, and whether taxes are up to date
- Business and personal bank statements
- How your income is shown and which lenders suit that
- Your down payment, since alternative lenders generally ask for more
How it works
- Start with your goalWe talk about what you want to buy or do, and how your business income is documented.
- Pick the right lenderI choose lenders who work with business owners.
- Submit a clear fileI present your income and documents so the underwriter sees the full picture.
I want you to know what I know, so we make an informed decision together. My aim is a relationship that lasts longer than your mortgage.
Self-Employed Document Checklist
A one-page list of the business and income documents lenders usually ask for.
Common questions
Can self-employed buyers get a mortgage in Ontario?
Yes. It usually takes a different documentation approach than a T4 employee's file, and lenders who specialize in business owner income.
What if my tax returns aren't filed?
Tell me early. Filing and clearing any balance owing comes first.