Tell me the goal
A short conversation gives me the context behind the numbers.
Self-Employed Mortgages in Ontario
Self-employed mortgage qualification depends on how your business income is documented. Some lenders understand retained earnings, reasonable add-backs, deposits, or stated-income programs; others only read one line on your return.
Your taxable income is not your whole story.
The answer is often not earning more—it is presenting reliable income to a lender whose policy can recognize it.
I help self-employed clients throughout Ontario present their income clearly and find lenders whose policies fit incorporated, sole-proprietor, contract, or commission earnings.
Helpful mortgage guides
What we will work through
- Review personal tax returns, notices of assessment, and business financials
- Use appropriate add-backs or alternative income documentation where permitted
- Plan for incorporated, sole-proprietor, contract, or commission income
- Compare prime, alternative, credit-union, and short-term options with an exit plan
How it works
Compare the routes
I review lender fit, total cost, flexibility, risks, and the next step.
Move with confidence
You get a clear recommendation and help from application through closing.
Self-Employed Mortgages in Ontario questions
What documents do self-employed borrowers usually need?
Requirements vary by lender, but commonly include personal tax returns, notices of assessment, business financial statements, incorporation or registration documents, and recent business bank statements. I confirm the relevant list before you apply.
Can business income or permitted add-backs help me qualify?
Some lenders may consider eligible non-cash expenses, retained earnings, or other documented business income. The treatment depends on the lender, business structure, ownership, and strength of the overall application.
Do I need two years of self-employment history?
Many programs prefer a two-year history, but some lenders will consider a shorter period when you have relevant experience, strong credit, sufficient down payment, and reliable supporting documents.
Can an incorporated business owner qualify for a mortgage?
Yes. The key is showing sustainable income and choosing a lender whose underwriting approach can properly assess salary, dividends, and the financial health of the corporation.
YOUR NEXT MOVE
Let’s make the mortgage fit your life.
A quick conversation can show you what is possible, what it costs, and which option actually makes sense.
