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Self Employed Mortgage
Find mortgage options designed for self employed homeowners across Canada. Compare professionals who understand alternative income and flexible approval paths.
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Need help finding a Self Employed Mortgage?
We connect you with mortgage professionals experienced in working with self employed income, variable earnings, and non traditional documents.
Flexible income verification
Alternative lender options
Experience with sole proprietors
Compare multiple lenders
How it works
A simple way to compare mortgage options built for self employed borrowers.
What are you looking for?
Tell us about your mortgage needs, income structure, and property details. This helps us understand what type of self employed mortgage support you’re looking for.
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Get customised options
We’ll connect you with licensed mortgage professionals who understand self employed income. Review tailored mortgage options based on your situation, documents, and goals.
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Choose your professional
Compare experience, ask questions, and select the mortgage professional that best fits your needs, timeline, and comfort level.
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Built for self employed
Flexible mortgage paths
Getting a mortgage while self employed can feel challenging, especially when income does not fit standard salary models. Traditional lenders often rely on strict income verification, which may not reflect how business owners actually earn.A Self Employed Mortgage focuses on the full financial picture. Lenders may consider bank statements, business financials, retained earnings, and available equity instead of only personal tax income.
These mortgages are commonly used by contractors, freelancers, incorporated business owners, and sole proprietors. While rates and terms can differ, the goal is to match borrowers with lenders who understand self employed income realities.
Pro Tip
Organized bank statements and business records can help professionals assess options faster.
Alternative income review
Self employed mortgages look beyond traditional pay stubs and T4 slips. Lenders may assess personal and business bank statements, gross revenue trends, retained earnings, and the stability of your work history. This approach helps reflect real earning power rather than just taxable income. Mortgage professionals also review how long you have been self employed, the type of industry you operate in, and whether your income shows consistency over time. These factors can influence approval paths, rates, and loan terms offered.
More lender flexibility
Unlike standard bank mortgages, self employed mortgage options may include alternative lenders and private lenders willing to take a broader view of risk. This flexibility can be helpful when income fluctuates, deductions reduce net income, or recent growth is not yet reflected in tax filings. Professionals can help explain tradeoffs, including interest rates, fees, and renewal strategies, so borrowers understand both short term access and long term planning.
How Self-Employed Mortgages Work in Canada: A Complete Homebuyer Guide
Understand how self employed mortgages work in Canada and how lenders assess income and eligibility.
Livin2
Jan 5, 2026
Professional insight
Mortgage Specialist
Northway Mortgage Group
Northway Mortgage Group works with self employed borrowers across Canada, focusing on flexible documentation and realistic income assessment.
Their team regularly supports freelancers, contractors, and business owners who do not qualify under standard bank income rules but still have strong financial profiles. They focus on explaining lender expectations clearly so borrowers understand how income, equity, and documentation affect available options.
What makes self employed mortgages different?
These mortgages use alternative ways to review income. Instead of relying only on tax returns, lenders may look at bank statements, business revenue, and overall financial stability.
Do rates differ for self employed borrowers?
Rates can vary depending on lender type, documentation strength, equity, and credit profile. Some options may carry higher rates due to added flexibility.
How can borrowers prepare before applying?
Average pricing overview
Last updated: 1/5/2026
Region
Great Value
Average
Premium
Canada
+1.0%
+2.0%
+3.5%
Rates and terms vary based on income structure, credit profile, equity, and lender requirements.
Reviews
4.8
based on 18400 reviews
Clear guidance92%
Fast responses89%
Helpful options91%
"As a contractor, I struggled with bank approvals. This helped me understand realistic options without pressure. "
Daniel R12 Dec 2025
"The professional explained how my business income was reviewed and what documents mattered most."
Julie.W04 Nov 2025
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Service guides
Learn how self employed mortgages work and when they make sense.
Buying a Home While Self-Employed: Step-by-Step
Learn the step by step process for buying a home while self employed.
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Common Mistakes Self-Employed Borrowers Make When Applying for a Mortgage
Learn common mistakes self employed borrowers make when applying for a mortgage.
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Mortgages for Incorporated Business Owners and Contractors
Learn how incorporated business owners and contractors qualify for mortgages.
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Self-Employed Mortgage Options: Bank vs B-Lender vs Private
Learn the differences between bank, alternative, and private mortgage options.
Read guide
How to Qualify for a Mortgage When You’re Self-Employed
Learn how self employed borrowers can qualify for a mortgage using income documents.
Read guideHow Self-Employed Mortgages Work in Canada: A Complete Homebuyer Guide
Understand how self employed mortgages work in Canada and how lenders assess income and eligibility.
Read guide
Pricing guides
Understand rates, fees, and cost factors for self employed mortgages.
Is a Self-Employed Mortgage Worth the Cost? Long-Term vs Short-Term Analysis
Learn whether the cost of a self employed mortgage makes sense in the short or long term.
Read guide
Self-Employed Mortgage Payment Examples at Different Income Levels
Learn how mortgage payments can vary for self employed borrowers at different income levels.
Read guide
How Much Income Do You Need as a Self-Employed Borrower to Qualify?
Learn how much income self employed borrowers typically need to qualify for a mortgage.
Read guide
Self-Employed Mortgage Fees Explained: Lender Fees, Broker Fees & Extras
Learn what fees self employed borrowers may pay when getting a mortgage.
Read guide
Are Self-Employed Mortgage Rates Higher Than Salaried Borrowers?
Learn whether self employed mortgage rates are higher than salaried borrowers and why lenders price them differently.
Read guide
Self-Employed Mortgage Rates in Canada: What to Expect and Why
Learn what self employed mortgage rates look like in Canada and why they may differ from standard rates.
Read guide
Compare mortgage options
Connect with professionals who understand self employed income and flexible mortgage approvals.
Q&A
Common questions about self employed mortgages.
Yes. Many lenders assess income trends over time rather than monthly consistency. Bank statements and business records help show earning stability.