Self-Employed Mortgage in Canada Made Clear
Flexible Mortgage Solutions for Self-Employed Canadians
Traditional mortgage applications often don’t reflect how self-employed income works, but that doesn’t mean you’re out of options. Whether you pay yourself through dividends, retain income in a corporation, or have seasonal earnings, we guide you toward mortgage solutions that fit how you earn.
We work closely with Canadian lenders who offer flexible underwriting for self-employed borrowers, helping you access the financing you deserve, without added stress.
- Support reviewing income structure and documentation.
- Options with or without traditional income verification.
- Lenders who specialize in self-employed applications.
- Strategies for tax filings, business write-offs, and cash flow.
- Flexible mortgage terms that reflect your working lifestyle.
Personalized Guidance That Matches Your Income
We understand that no two businesses operate the same way. That’s why we take time to understand your income pattern, credit profile, and homeownership goals before recommending any mortgage strategy.
- Incorporated Business Owners: Leverage business income with a tailored declaration strategy.
- Freelancers or Contractors: Navigate seasonal or project-based earnings with lender-approved options.
- Recently Self-Employed: Build a roadmap to qualify, even if you’ve just started working independently.
We focus on making your income work for you—not against you—through mortgages that reflect your real-life numbers.
What You Can Expect from Mortgages365
Income Review
We take a complete view of your income, expenses, and tax filings to build a mortgage file that highlights your financial strength.
Flexible Lenders
Our network includes lenders who understand how business owners earn, save, and grow, so you're not penalized for smart tax planning.
Document Strategy
We help you prepare everything from Notice of Assessment to business financials in a way that matches lender expectations.
Tailored Solutions
Whether you need stated-income options or full verification, we match you with lenders who meet your comfort level and timeline.
Clear Requirements
You’ll always know what’s needed and why. We explain documentation, qualification rules, and timelines so there are no surprises.
Ongoing Support
From pre-approval to closing, our team is available to guide you through the process and adapt as your situation evolves.
