How do I qualify for a mortgage if I'm self-employed in Ontario?

Self-employed borrowers in Ontario can qualify using bank statements, gross revenue, or stated income programs offered by B-lenders and alternative lenders. Unlike major banks, a mortgage broker can access specialized lenders who factor in your actual earning power rather than taxable income alone. You'll typically need 2 years of self-employment history, a reasonable credit score, and a down payment of at least 10–20%.

What is the difference between a mortgage broker and a bank?

A mortgage broker shops your application across 50+ lenders — banks, credit unions, trust companies, and private lenders — to find the best rate and terms for your situation. A bank can only offer its own products. Brokers are paid by the lender once a mortgage closes, so the service is free to you as the borrower in most cases.

Can newcomers to Canada get a mortgage?

Yes. Many lenders offer newcomer mortgage programs for permanent residents and certain work permit holders, often with as little as 5–10% down and without requiring a lengthy Canadian credit history. We work with lenders who specialize in newcomer financing across Toronto and the GTA.

How long does it take to get a mortgage pre-approval in the GTA?

A mortgage pre-approval typically takes 24–48 hours once we have your documents — income verification, credit check, down payment confirmation, and ID. In some cases we can provide a same-day pre-approval for straightforward applications.

What areas does Mortgage Made Better serve?

We are headquartered in Scarborough and serve clients across the Greater Toronto Area including Toronto, Markham, Richmond Hill, Vaughan, Pickering, Ajax, Whitby, Oshawa, Mississauga, Brampton, and all of Ontario.

Is using a mortgage broker free?

In most cases, yes. Our fee is paid by the lender after your mortgage closes. There is no cost to you for a consultation, pre-approval, or placing your mortgage with a bank or credit union lender. Fees may apply for certain private or specialty mortgage products, which we disclose in full upfront.

Toronto & GTA Mortgage Broker — FSRA Lic. #13747

Mortgage Broker in Toronto & the GTA
for Self-Employed & Every Borrower

Self-employed, newcomer, first-time buyer, or investor — we shop 50+ lenders so you get the best rate with the least friction.

Fixed Rate

4.09%

5-Year Fixed Insured

Variable Rate

3.60%

Prime − 0.85%

5-Year Variable Insured

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WHY CHOOSE US

Get Approved
with Confidence

Whether you're buying your first home, upgrading, refinancing, or investing, we provide fast, tailored mortgage solutions with access to 50+ lenders — banks, credit unions, B-lenders, and private lenders.

Residential

Residential Mortgages

From first-time buyers to upgrading homes, we provide tailored financing solutions that fit your lifestyle and long-term goals.

First-time buyersRefinancingRenewals

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Commercial

Commercial & Mixed-Use

Smart financing for income-producing and business-focused properties — from plaza units to multi-residential buildings.

Plaza unitsMulti-residentialIncome properties

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Our Expertise

Mortgage Solutions
Tailored to You

From first-time buyers to seasoned investors — we navigate every situation with precision, accessing 50+ lenders to find your ideal rate.

Business Owners

Self-Employed Mortgages

We work with lenders who accept bank statements, gross revenue, and stated income — so your taxable income isn't a barrier.

Get approved

First Purchase

First-Time Home Buyers

Access RRSP Home Buyers' Plan, land transfer tax rebates, and 5% down programs. We guide you from pre-approval to keys in hand.

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Simplify Debt

Debt Consolidation

Merge credit card balances, CRA debt, and lines of credit into one low monthly mortgage payment and regain financial clarity.

Calculate savings

Build & Renovate

Construction Financing

Custom builds, major renovations, draw mortgages, and land financing — structured funding at every stage of your project.

Explore options

Alternative Lending

Private Mortgages

Equity-based approvals, fast closings, and bridge financing when traditional banks say no. Flexible terms built around your situation.

See if you qualify

Homeowners 55+

Reverse Mortgages

Convert home equity into tax-free cash with no monthly payments required. Stay in your home while funding the life you want.

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Innovative Solution

Co-Buying — Own a Home Sooner

Partner with a co-buyer to reach your down payment faster. No monthly payments to your partner — just shared equity and a path to ownership.

Explore Co-Buying

Who We Help

Trusted by homeowners across
Toronto & the GTA

We work with borrowers whose needs go beyond what a single bank can offer — and we take pride in finding solutions where others have said no.

Self-Employed Borrowers

If you run your own business, you already know that traditional bank underwriting was not designed for you. Banks scrutinize taxable income and often ignore the real earning power behind your business. We work with lenders who assess bank statements, gross revenues, and industry-specific income models — giving you a path to approval that reflects your actual financial strength.

Self-employed mortgage solutions

Newcomers to Canada

Building credit history in Canada takes time. Many newcomers — permanent residents, work permit holders, and recent citizens — struggle to meet the requirements of big banks. We partner with lenders who offer dedicated newcomer programs across the GTA, with flexible down payment requirements and no need for an established Canadian credit file.

Newcomer mortgage programs

First-Time Home Buyers

Buying your first home in Toronto or the GTA is exciting and overwhelming in equal measure. From navigating the Home Buyers' Plan and land transfer tax rebates to choosing the right amortization period and mortgage type, we walk beside you at every step — from your first pre-approval to the day you pick up your keys.

First-time buyer guide

Real Estate Investors

Growing a rental portfolio requires a different lending strategy than buying a primary residence. We help investors structure financing for duplexes, triplexes, multi-unit buildings, and commercial mixed-use properties — accessing rental income programs and stress-test workarounds that maximize your borrowing power.

Investment property financing

Our Lending Partners

50+ Lenders. One Broker.

Our partnerships span every tier of the lending market — from Schedule A banks to credit unions, trust companies, and private lenders — so you always have options.