Self-Employed Mortgages
Being self-employed shouldn’t stand in the way of homeownership. Whether you’re a business owner, freelancer, contractor, or consultant, Grade A Mortgages specializes in helping self-employed Canadians secure mortgage financing with confidence. With access to 200+ trusted Canadian lenders, we work to find mortgage solutions that reflect your unique income and financial situation.
Self-Employed Mortgages
Flexible Mortgage Solutions for Self-Employed Canadians
Being self-employed shouldn’t stand in the way of homeownership. Whether you’re a business owner, freelancer, contractor, or consultant, Grade A Mortgages specializes in helping self-employed Canadians secure mortgage financing with confidence. With access to 200+ trusted Canadian lenders, we work to find mortgage solutions that reflect your unique income and financial situation.
How It Works
Step 1
Book a
Consultation
Tell us about your business, income, and homeownership goals.
Step 2
Review Your Financial Profile
We'll assess your income, documentation, and mortgage needs to determine the best financing options.
Step 3
Compare Mortgage Solutions
We shop over 200 lenders to find mortgage products designed for self-employed borrowers.
Step 4
Get Approved
We'll guide you through the application process and work closely with the lender until your mortgage is approved and finalized.
Who Is This Service For?
Our Self-Employed Mortgage solutions are ideal for:
- Small business owners
- Entrepreneurs
- Freelancers
- Independent contractors
- Consultants
- Commission-based professionals
- Incorporated business owners
- Sole proprietors
If your income doesn’t fit the traditional employment model, we’ll help you explore mortgage options that work for your situation.
Frequently Asked Questions
Yes. Many lenders offer mortgage programs specifically designed for self-employed borrowers. Qualification depends on your income, credit history, and overall financial profile.
Requirements vary by lender but may include tax returns, Notices of Assessment, business financial statements, bank statements, and proof of income. We’ll provide a personalized document checklist.
Not necessarily. Many self-employed borrowers qualify for competitive mortgage rates, especially with strong credit and financial documentation.
Yes. Many lenders understand that self-employed income can fluctuate and consider your overall financial picture rather than a single year’s income.
Absolutely. We can help you refinance your mortgage to access equity, consolidate debt, or secure a better interest rate.