Loan option
Self-Employed Mortgage in the GTA
Self-employed borrowers, contractors, and business owners often show lower taxable income than their actual cash flow. Alternative and private lending partners can look at bank statements, contracts, and equity to build a fair picture of your ability to carry the mortgage.
When homeowners use a self-employed mortgage
- Incorporated owners who pay themselves dividends
- Sole proprietors with significant write-offs
- Commission-based earners with variable income
- New businesses without two years of T1 history
How equity-based qualification works
Lending partners review bank statements, contracts, and equity rather than relying only on Notices of Assessment.
As a general Ontario rule, lending partners want the combined balance of every mortgage that will sit against the property — first, second, and so on — to land at roughly 75%–80% of the appraised value. We are a referral service, not a lender; final pricing and approval are determined by the licensed lending partner.
Self-Employed Mortgage by city in the GTA
Browse self-employed mortgage options in your area. Each page reflects local housing context, but the underlying program is the same equity-based approach.
Other GTA & Ontario cities
Lending Options Across the GTA
Explore equity-based lending options by type and by city. We connect homeowners across the Greater Toronto Area with our network of licensed lending partners.