Self-Employed? Your Tax Return Doesn't Tell the Whole Story.

Banks see your write-offs. We see your income.

Most banks use declared taxable income to qualify you — which often looks far lower than what you actually earn. If you write off significant business expenses, you may appear unqualifiable on paper while running a healthy, profitable operation.

That's where specialist lenders come in.

We work with lenders who understand self-employed income — sole proprietors, incorporated business owners, contract workers, and gig economy earners — and we match you to the right program based on your actual financial picture.

Three ways self-employed borrowers qualify.

“I write off a lot of expenses”

Your taxable income may not tell the entire story. Depending on the lender and program, business deposits or other documentation may be considered.

“I'm incorporated”

Your corporate structure may affect how lenders assess your income — personal draws, dividends, and retained earnings can all be relevant.

“I'm a contractor”

Your contract history and income consistency can matter more than a single tax return, depending on lender criteria.

“My income changes every year”

There may be mortgage programs designed around variable income patterns — subject to lender requirements.

“I've recently become self-employed”

Your prior industry experience, business plan, and overall financial profile can all be considered by specialist lenders.

What lenders actually look at.

Self-employed mortgage decisions involve far more than a single income figure. Specialist lenders evaluate the full picture — and we know how to present your file in the strongest possible light.

• Deposit consistencyRegular, predictable deposits signal stable business income to lenders.
• Credit historyScores of 620–680+ open the widest range of programs and rates.
• Down payment sourceOwned funds, gifted equity, and business accounts all treated differently.
• Business stabilityTime in operation, industry type, and client base all factor in.
• Debt ratiosTotal debt service relative to income — calculated differently per program.
• Property detailsLocation, type, and value affect which lenders and programs apply.

Know what to prepare before you apply.

We speak your language.

Self-employed mortgages require a different approach — and a broker who genuinely understands your income structure. Most banks don't. We do.

We know what lenders need to see, how to structure your application, and which lenders are the right fit for your business type. The result is faster approvals and better rates. We serve borrowers across the GTA, so you can work with a local Scarborough mortgage broker, Toronto mortgage broker, Markham mortgage broker, York Region mortgage broker, Durham Region mortgage broker or Peel Region mortgage broker.

Self-employed specialists

We understand T1s, NOAs, corporate structures, and stated income — it's a core part of what we do.

30+ lenders

Banks, credit unions, trust companies, and monoline lenders — all searched on your behalf.

No surprises

We tell you upfront what programs apply, what rates to expect, and what lenders will need.

Your side of the table

We're paid by the lender when your mortgage closes. Expert guidance at no cost to you.

Local GTA expertise

Serving Toronto, the GTA, and all of Ontario with deep knowledge of local lenders and markets.

Full-file management

From your first call through closing day — we handle the paperwork and lender communication.

Self-employed borrowers usually ask us these.

No question is off the table. We've helped borrowers at every stage — from just starting a business to running an established operation for years.