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Self-Employed Mortgages
Mortgage Broker Serving the Durham Region, ON
You work hard for your business; your mortgage should work hard for you. We specialize in self employed home loans, using alternative income verification to get you approved even when the big banks say no.
Can I Get a Mortgage if I’m Self-Employed?
Absolutely. While traditional banks often struggle to verify income for entrepreneurs, a self employed mortgage in Canada is designed specifically for your lifestyle. We use "Stated Income" programs and bank statement audits to look at your gross revenue and cash flow, rather than just the net income shown on your tax returns. This allows you to maintain your tax efficiencies while still qualifying for the home you want.
Expert Self Employed Mortgages in Ontario
Finding the Right Mortgage for Self Employed Professionals
Traditional financial institutions often turn business owners away because they don’t fit into a standard "salary" box. At RS Mortgage Solutions, we understand the "Business for Self" (BFS) landscape. We look at your business's success, contracts, and equity to secure self employed home loans that reflect your true financial strength.
We specialize in solutions for:
- Sole Proprietors & Freelancers: Qualifying based on your industry experience and cash flow.
- Incorporated Business Owners: Navigating corporate vs. personal income to maximize your borrowing power.
- Stated Income Borrowers: For those whose tax write-offs make traditional bank qualification difficult.
- Commission-Based Professionals: Using historical averages to prove stable income.
As one of the top alternative mortgage brokerages in Canada, we have access to lenders who specialize in a mortgage for self employed borrowers. We take the time to build a file that tells your story, ensuring you aren't penalized for being your own boss.
Serving Entrepreneurs Across the GTA
RS Mortgage Solutions offers specialized self employed mortgages in the Durham Region including Pickering, Ajax, Whitby, Oshawa, Clarington, Port Perry, Cannington, Beaverton, Brock, Uxbridge, Scarborough, Etobicoke, North York, Toronto, Markham, Vaughan, Richmond Hill, Newmarket, Brampton, Oakville, Milton, Mississauga, and more.
Get the Home Loan Your Business Success Deserves
Don't let your tax efficiency prevent you from owning property. Let’s find a self employed mortgage in Canada that fits your unique profile in Newcastle, ON or anywhere in the GTA.