Self-Employed?
We can get you a mortgage in most situations regardless of your
circumstances. Where traditional financial institutions have given
the answer "No", we say "Yes" and get you a product that suits
your needs at an extremely competitive rate.
Below is a list of the most common non-traditional situations,
however, please note, that not all situations are listed and each
is looked at on a case-by-case basis to fit with the appropriate
lender - each situation is unique and looked at accordingly. This
is where our expertise and knowledge is essential in taking care
of you and your family.
| Employment - Self-employed |
- Recent job start/change
- Work experience outside Canada |
- Lack of work history
- Part-time |
| Income |
- Income - Non-verifiable
- Salary + commission - Seasonal |
- Commission
- Salary + OT and/or bonus |
| Credit |
- Spotty/bad credit
- No credit |
- Good, but a lot of credit
- Previously bankrupt |
| Property |
- Rental
- Construction - Cottages/vacation homes - Multiplex - Investment |
- Rural/acreage
- Mobile homes |
| Status | - Non-resident | - New immigrant |
If you fall into one of the categories above, or if you have a different situation, we know where to go and how to structure the deal. For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.
