Mortgages for the Self Employed

Mortgages for Self Employed under Stated income program .

When it comes to mortgages, it hasn't always paid to be self-employed - because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.

We have a long list of institutional and private lenders that offer excellent mortgage options for self-employed. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. 

Borrowers just need to provide 6-12 months bank statements showing deposits from business and business registration, that'a all. No tax return required. Minimum down payment 20%. Rates are very close to regular bank rates. This program also works for borrowers who receive commission income ( Realtors for example), and people who receive tips and even cash income. Lenders will also consider clients with bad credit.

There are also programs for high Net Worth clients, that don't require income verification. 

As a last resort we have private lenders who can do mortgage without any income verification. We would only need Mortgage application and appraisal. 

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