We provide self employed mortgages secured to residential, commercial, and rural real estate across Canada.


A self employed mortgage is a loan that is provided to a self employed individual or business owner. Commonly, a self employed mortgage is provided to purchase, refinance, or access equity in a property for business capital.

Financial institutions have strict lending criteria and it can often be difficult to obtain a self employed mortgage. In contrast, private lenders are less stringent and use common sense underwriting. Private lenders are focused on equity, rather than income or credit.

Financial institutions are focused on income and credit. They typically require at least 2 years worth of established business income history and good credit. Additionally, they may require you to claim a certain amount of taxable income in those 2 years or provide 6-12 months of recent bank statements. However, guidelines and rules are constantly changing and each lender may have slightly different requirements.

A self employed mortgage can be registered against your property as a first mortgage, second mortgage, or third mortgage. We help self employed individuals and business owners obtain self employed mortgages as property owners and property buyers.
Commonly, self employed mortgages are provided as second mortgages. The reason for this is because most property owners already have an existing first mortgage with a low rate. Therefore, it is more financially feasible to obtain a smaller second mortgage than refinance the whole property. Self employed mortgages are also frequently obtained for short term goals that eventually lead to meeting long term objectives.

An increasing number of Canadians are deciding to become self employed and business owners. The benefits of working for yourself, under contract, or on commission gives you greater flexibility and an opportunity to increase your income. However, the primarily reason for becoming self employed or a business owner is because there are tax advantages. You can write off or deduct personal expenses, show less income, and as a result pay less tax. However, the downside of this is you will qualify for less or possibly not qualify at all with a financial institution. Even though you are making good money. Frequently, self employed individuals and business owners are required to come up with more equity or down payment and pay higher interest rates – as opposed to employees.


To qualify for a self employed mortgage, you must have sufficient equity or down payment.

We are an equity-based lender. Regardless of income or credit, if there is sufficient equity, you are approved.


Visit our Loan Products page to learn more about what we have to offer.

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Interested in getting a self employed mortgage? Contact us to get started.


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