Self Employed Mortgages

Looking for a High-Quality Self-Employed Mortgage in Toronto or GTA?

Our flexible options and knowledgeable self-employed mortgage lenders can help!

Nearly 20 percent of Canadian income earners work for themselves and often wonder why it’s so hard to qualify for a self-employed mortgage. If you’re a small business owner, you’ve probably experienced the frustrations of obtaining a mortgage for the self-employed.

Indeed, most financial institutions require self-employed individuals to use their personal income tax assessments to qualify for a mortgage. However, if your accountant did your taxes well, your net income as a small business owner is probably much lower than your gross income – making it impossible to qualify by traditional means in many cases.

How We Help with Self Employed Mortgages

At Ross Taylor & Associates, our team of experienced self-employed mortgage lenders understand your situation. There are no short cuts anymore if this is you. We will need to gather a bunch of documents from you upfront to make sure we are properly prepared to present your case to interested lenders.

If you are incorporated, please have ready:

Articles of Incorporation, past two years’ T2 corporate tax returns and the most recent corporate notice of assessment, your personal tax returns and notices of assessment for the past two years, as well as six months’ most recent bank statements for your business account

Whether you’re a passionate entrepreneur just starting out or a you’re a seasoned business veteran – we can help you secure a best-fit self-employed mortgage for you. Purchase a new property or re-finance your existing home with simplicity and ease with the support of our trusted mortgage lenders.

Tips to Get the Best Self Employed Mortgage Rates
  • A clean credit history generally receives the lowest rates available
  • Your personal and corporate taxes are up to date and not in arrears
  • Proof that you’ve been self-employed for at least 2 years (GST number or incorporation papers)
  • The property you’re interested in purchasing is located near or in a major center area

Let us help you find your best self-employed mortgage option today! Contact us to learn more!

Why choose us for your mortgage?

  • Specialize in difficult mortgages
  • Years of experience and expertise
  • Excellent, reliable service
  • Best rates and trusted lenders
  • Creative and customized solutions
  • Proven results


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