Self Employed Mortgages

Getting a mortgage while being self employed

Nearly 20% of Canadian income earners work for themselves, and with the gig economy on the rise, that number will continue to grow.

Starting your own company can be an exciting and rewarding endeavour. Like most of us paying less tax is something we all think about, we work hard and want to hold on to the money we make. Most small business owners pay most of their personal tax through their companies. This is a great way to pay LESS TAX!

However, when it comes to qualifying for a mortgage, it can be pretty frustrating.

Most financial institutions require self-employed individuals to use their personal income tax assessments to qualify for a mortgage. There are several legitimate ways your accountant can render your net income as a small business owner much lower than your gross income – and this, unfortunately, makes it challenging to qualify for a mortgage by traditional means.

Rest assured, our team understands your situation and have helped many self-employed clients get a mortgage.

Overhaul your Financial Situation

How we help you through the mortgage process

When you work with us, we recognize all that is unique about your business and how it is structured for tax purposes. As a result, we will understand precisely how to present your case to mortgage lenders in a way that positions you in the best way possible.

We will match your circumstances to mortgage lenders who “get it”—those who will perfectly understand your financial and tax situation.

There are no shortcuts to qualify for a mortgage – we will require specific upfront documentation from you.