Make your next project in St Johns a success with our curated list of local providers. Backed by our standards for Newfoundland and Labrador, you can proceed with confidence. Connect with trusted self employed mortgage providers in St Johns.
Connecting you with top-rated pros in Greater St Johns and nearby.
We connect you with mortgage professionals experienced in working with self employed income, variable earnings, and non traditional documents.
A simple way to compare mortgage options built for self employed borrowers.
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.
We’ll connect you with licensed mortgage professionals who understand self employed income. Review tailored mortgage options based on your situation, documents, and goals.
Compare experience, ask questions, and select the mortgage professional that best fits your needs, timeline, and comfort level.
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.
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.
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.
We ensure all providers listed on Livin2 hold the necessary licenses and accreditations for their specific province and industry. We prioritize your peace of mind by connecting you with regulated experts committed to ethical practice.
We aim to partner with professionals who meet all regulatory requirements for Newfoundland and Labrador, ensuring your peace of mind when selecting a service provider in St Johns.
Understand how self employed mortgages work in Canada and how lenders assess income and eligibility.
Livin2
Jan 5, 2026
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.
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.
Rates can vary depending on lender type, documentation strength, equity, and credit profile. Some options may carry higher rates due to added flexibility.
Rates and terms vary based on income structure, credit profile, equity, and lender requirements.
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"As a contractor, I struggled with bank approvals. This helped me understand realistic options without pressure. "
"The professional explained how my business income was reviewed and what documents mattered most."
Explore other mortgage and financing services that may fit your situation.
Learn how self employed mortgages work and when they make sense.
Learn the step by step process for buying a home while self employed.
Learn common mistakes self employed borrowers make when applying for a mortgage.
Learn how incorporated business owners and contractors qualify for mortgages.
Learn the differences between bank, alternative, and private mortgage options.
Learn how self employed borrowers can qualify for a mortgage using income documents.
Understand how self employed mortgages work in Canada and how lenders assess income and eligibility.
Understand rates, fees, and cost factors for self employed mortgages.
Learn whether the cost of a self employed mortgage makes sense in the short or long term.
Learn how mortgage payments can vary for self employed borrowers at different income levels.
Learn how much income self employed borrowers typically need to qualify for a mortgage.
Learn what fees self employed borrowers may pay when getting a mortgage.
Learn whether self employed mortgage rates are higher than salaried borrowers and why lenders price them differently.
Learn what self employed mortgage rates look like in Canada and why they may differ from standard rates.
Connect with professionals who understand self employed income and flexible mortgage approvals.
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