A self-employed mortgage is a mortgage for someone whose income does not arrive as a T4. The obstacle is not that lenders dislike business owners, it is that good tax planning minimises declared income, and declared income is what a lender qualifies you on.
The brokers listed here place self-employed and business-for-self files across Canada, including stated income and bank statement programs where the tax returns understate what the business genuinely earns.
The brokers below have told us they take on self-employed files. Narrow by city to see who works in your market, most lending decisions still turn on where the property sits.
12 of these brokers have a mapped office. Tap a pin to open that profile.
As Licensed Principal Broker, I’m dedicated to providing you with all the information you need to make a well-informed decision on your mortgage financing needs. My mortgage industry knowled…
I am a Mortgage Broker specializing in mortgage refinancing, focusing on solving mortgage problems by providing lending solutions for complex financial situations. Kristi specializes in a v…
With 10 years of extensive, hands-on experience in the Canadian mortgage industry, your agent specializes in turning complex financial scenarios into clear, actionable pathways. Providing co…
I’m Janine Veenendaal, a Mortgage Broker who believes this business is about so much more than rates and paperwork. It’s about people, your families, your pets, your dreams, and even the cha…
I’m a Level 2 Mortgage Agent with Get A Better Mortgage, serving residential clients in Ottawa and commercial clients across Ontario. Known as the “Mortgage Matchmaker,” I connect borrowers…
Purchasing a home is an important decision and you should be confident about your investment. I will work with you personally to offer you valuable insight throughout the process, save you t…
I work with homebuyers, business owners looking to buy commercial properties or businesses homeowners looking to refinance, consolidate debt and clients who may not fit perfectly with the tr…
With more than 36 years of experience in the banking and mortgage industry, including senior leadership roles with Royal Bank of Canada, CIBC, and most recently as Vice President of Sales wi…
I work with borrowers that need help refinancing, debt consolidation, and purchase mortgages across Ontario. Most of my work is in the alternative and private mortgage space. I also work wit…
I’m an independent mortgage broker in Ontario who works mostly on the files other people find difficult. Self-employed income, bruised credit, CRA arrears, B and private lending, First Time…
I help homeowners, homebuyers, self-employed individuals and investors find mortgage solutions across Ontario. I specialize in business-for-self financing, refinancing, investment properties…
I’m Baneet Grover, a Mortgage Agent Level 2 with Mortgage Intelligence, serving homeowners, buyers and investors across Ontario. I take a strategy-first approach to mortgage financing. Rath…
Micky Khaneka is a licensed mortgage broker and founder of MKG Mortgages in North York, ranked #15 on CMP's Top 75 Mortgage Brokers in Canada 2026. MKG helps GTA buyers, homeowners and self-…
Rita Cousins is an experienced mortgage broker with mortgage architects, bringing over 45 years of experience in the mortgage industry. Based in Nanaimo, BC, Rita helps clients with home pur…
With over 13 years of experience in financial services, I help homebuyers, homeowners, and self-employed professionals navigate mortgage financing with confidence. Specializing in residentia…
I’m a Mortgage Agent Level II based in Sturgeon Falls, serving North Bay, Sudbury and clients across Ontario. I work with first-time buyers, homeowners, investors and anyone looking for a be…
I'm P. Michael Thomas, AMP, Mortgage Broker, helping homebuyers, homeowners, investors and business owners find practical mortgage and financing solutions. With almost 10 years of experienc…
I’m a licensed mortgage broker serving clients across British Columbia, Alberta and Ontario, with a large part of my business coming from the Lower Mainland, Vancouver Island, the Okanagan,…
Prime lenders typically average your last two years of net income after expenses. An accountant who has done their job well has made that figure as small as legally possible, so a business generating a healthy income can qualify for surprisingly little.
Some deductions can be added back, non-cash items such as depreciation, and one-off expenses, which recovers part of the gap on a prime application. Beyond that, the route is a lender with a program built for the situation.
A stated income mortgage lets you declare a reasonable income for your industry and length of operation, supported by evidence the business exists and is trading, rather than by tax returns alone. A bank statement program looks at deposits over a recent period and infers income from cash flow.
Both are mainly offered by alternative and B lenders, and both cost more than a prime mortgage, typically a rate premium and a lender fee, with a larger down payment expected. They are a legitimate answer to a genuine measurement problem, not a way around affordability.
Two full years of self-employment is the usual expectation, so timing an application around that threshold matters. Keep business and personal banking separate, since commingled accounts make a bank statement program much harder to assess.
If a purchase is a year or two out, discuss it with your accountant now. Declaring somewhat more income for two years costs tax but can move you from an alternative lender to a prime one, and the rate difference over a five-year term often exceeds the extra tax.
Prime lenders average your declared net income over the last two years, with some deductions added back. Where tax-efficient accounting has reduced that figure below what the business genuinely earns, alternative lenders offer stated income and bank statement programs at a higher rate and larger down payment.
A mortgage where you declare an income reasonable for your industry and length of operation, supported by evidence the business is real and trading, rather than relying solely on tax returns. It is offered mainly by alternative and B lenders and carries a rate premium and usually a lender fee.
Two full years is the usual expectation, because lenders average two years of income. Shorter histories can sometimes be placed where you were previously employed in the same field, but the options narrow considerably and the pricing reflects it.
A program that assesses income from business bank deposits over a recent period rather than from tax returns. It suits businesses with strong, consistent cash flow and heavily optimised tax filings. Keeping business and personal banking separate is close to essential for it to work.
Not if you qualify at a prime lender on declared income, the rate is the same as anyone else's. The premium applies only when the file has to go to an alternative lender because declared income does not support the mortgage.
