MORTGAGE FOR SELF-EMPLOYED:

We work with lenders that offer flexible lending requirements for self-employed Canadians.

Whether you have non-traditional income, in commission-based sales, on a contract assignment, or are a sole proprietor of a business, incorporated or Ltd, we work with many lenders that offer business-for-self products.

Some financial institutions and traditional lenders have very limited options when it comes servicing self-employed Canadians. We on the other hand, work with a variety of lenders with flexible ratio, qualifying income, and documentation requirements, made specifically for self-employed individuals.

ACCESS TO MULTIPLE LENDERS:

Big banks and traditional lenders have implemented several strict lending requirements for self-employed borrowers. These tighter rules have made securing a mortgage more difficult.

In addition, during these times you may find that proof of income requirements have become more rigid. We understand the many challenges self-employed individuals may face. Whether you have fluctuating or inconsistent income, lack of income documentation or even low income, good credit, or bad credit, we have partnered with some of the best lenders who specialize in business-for-self mortgages.

FLEXIBLE SELF-EMPLOYED LENDING CRITERIA:

  • Fixed and Adjustable Terms
  • Minimum 500 Credit Score
  • Stated Income Programs
  • Up to 95% Loan-to-Value
  • Flexible Income Verification
  • Flexible Debt Ratio Maximums
  • Flexible Documentation Requirements
  • Previous Bankruptcies
  • Income Gross Ups/Add Backs