Self-Employed?
We can get you a mortgage in most situations regardless of your circumstances. Where traditional financial institutions have given the answer "No", we say "Yes" and get you a product that suits your needs at an extremely competitive rate.Below is a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender - each situation is unique and looked at accordingly. This is where our expertise and knowledge is essential in taking care of you and your family.
| Employment - Self-employed | - Recent job start/change - Work experience outside Canada |
- Lack of work history - Part-time |
|---|---|---|
| Income | - Income - Non-verifiable - Salary + commission - Seasonal |
- Commission - Salary + OT and/or bonus |
| Credit | - Spotty/bad credit - No credit |
- Good, but a lot of credit - Previously bankrupt |
| Property | - Rental - Construction - Cottages/vacation homes - Multiplex - Investment |
- Rural/acreage - Mobile homes |
| Status | - Non-resident | - New immigrant |
| Financial | - Zero-down | - Purchase plus improvement |
If you fall into one of the categories above, or if you have a different situation, we know where to go and how to structure the deal.
For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.
