Self-Employed Mortgages Ontario

Self-Employed Mortgages in Ontario.

Banks penalize entrepreneurs for writing off expenses. I work with A, B, and stated-income lenders that look at your real cash flow — not just your net business income — so you can buy or refinance without overpaying tax just to qualify.

Stated Income Programs

Qualify using bank deposits, contracts, or business statements when T1s don't tell the full story.

BFS A-Lender Programs

Special programs for sole proprietors, incorporated owners, and commissioned sales pros.

As Little as 10% Down

Insured stated-income mortgages available for purchases up to $1M with strong credit.

Refinance to 80% LTV

Tap equity to fund growth, consolidate debt, or invest — without selling your business.

Why Big Banks Decline Self-Employed Files

The Big 5 underwrite to your line 150 net income — what's left after every legitimate write-off. That's great for your tax bill and terrible for your mortgage application. Many self-employed Ontarians report $40,000–$60,000 net income while clearing six figures in real cash flow.

A self-employed mortgage broker GTA-wide knows which lenders gross-up your stated income, which look at 12 months of business deposits, and which require add-backs for CCA, home office, and vehicle expenses.

Documents Self-Employed Borrowers Typically Need

2 years of T1 Generals and Notices of Assessment
Articles of incorporation (if applicable)
12–24 months of business bank statements
Most recent T2 / financial statements for corporations
GST/HST returns to validate gross revenue
Confirmation that personal and HST/CRA taxes are up to date

Business Owner Mortgage Approval — How I Help

I pre-underwrite your file against 50+ lenders, identify the 3–4 best fits for a business-owner mortgage approval, and structure your application to highlight cash flow, retained earnings, and personal liquidity. No surprises, no last-minute requests.