For Self-Employed Borrowers

Self-Employed Mortgage, Made Simple

Qualify using bank deposits, stated income, or insured programs — even if your tax income looks low.

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Three ways self-employed borrowers qualify

Every business structure is different. We match you to the right path.

10% down

ALTA / Insured

  • 2 years business history + tax filings
  • Great if you write off expenses
  • Insured approval pathway

Best for: Business owners with 2+ years filing history

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20% down

Stated Income

  • Income supported by bank deposits (6–12 months)
  • Flexible for incorporated / sole prop / contract
  • Strong option when T1 income is low

Best for: Incorporated, sole prop, or contract workers with low T1

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Lowest rates

Traditional Qualification

  • Uses T1 / NOA and add-backs where allowed
  • Works best with consistent declared income
  • Often the lowest rate options available

Best for: Business owners with consistent declared income

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How it works

Three simple steps from conversation to approval.

Tell us your business type

Sole prop, incorporated, contractor, or gig — we start with your structure.

Share documents or statements

T1s, bank statements, or contracts — we guide you on exactly what's needed.

We match a lender and get approval

We shop 30+ lenders and present you with the best fit for your situation.

What lenders look at

Beyond your tax return — the full picture matters.

Deposit consistency
Credit history
Down payment source
Business stability
Debt ratios
Property details

Document checklist

Requirements vary by program. Here's what to expect by business type.

Not sure what applies to you? Contact us and we'll walk through it together.

FAQ

Common questions from self-employed borrowers.

Rated 5.0 — Real clients, real results

"Suganthan is polite, professional, and extremely patient. He explained everything in detail and followed through on every promise."

Seyon

Self-Employed | Purchase

"Over the past 3–4 years, Suganthan has helped me with five different properties. What started as business turned into a friendship built on trust."

Dave Dixon

Investment | Portfolio Growth

"Suganthan made our dream of home ownership a reality. Our closing went smoothly without a hitch, and his professionalism stood out at every step."

Adwoa Addae

Purchase | Professional Service

Ready to see what you qualify for?

No obligation. No pressure. Just a clear picture of your options.