Call Now Self-Employed Mortgage Solutions Flexible Lending for Business Owners
Running your own business shouldn’t make it harder to get approved. We help self-employed Canadians qualify for mortgages based on real income, cash flow, and potential — not just tax returns.
What Is a Self-Employed Mortgage?
Real-World Income Approvals
We use bank statements, invoices, and business performance (not line 150) to qualify you.
No-Income or Low-Doc Options
Access programs that don’t require full income verification — ideal for incorporated or recently self-employed individuals.
300+ Lender Network
We work with banks, credit unions, and private lenders that understand self-employed cash flow.
Flexible Mortgage Options
Purchase, refinance, or home equity programs with interest-only or prepaid payment options to manage cash flow.
Expert Oversight & Speed
Every file is reviewed by senior management for accuracy, compliance, and optimal lender placement with approvals in as little as 24–48 hours.
| Scenario | Traditional Bank | Advance Mortgages (Alternative Lender) |
|---|---|---|
| Annual Taxable Income | $65,000 (after write-offs) | $150,000 (gross business income considered) |
| Loan Amount Qualified | $300,000 | $700,000+ |
| Documentation Required | 2 years of T1s, NOAs, business financials | 12 months of business bank statements or invoices |
| Approval Time | 2–4 weeks | 24-hour pre-approval |
| Flexibility | Low | High (prepaid, interest-only, or stated-income options) |
Result: Business owners qualify for what they truly earn — not what’s left after tax planning.
Who Benefits Most from Self-Employed Mortgages
Sole proprietors and small business owners
Incorporated professionals (consultants, contractors, realtors, medical, legal, trades)
Gig-economy or contractors and freelance workers
Borrowers with limited or irregular income
Self-employed individuals needing to refinance or consolidate debt
Independent professionals who maintain clear financial records
Self-Employed Mortgage FAQ
Yes, we offer stated income and bank statement mortgage programs that rely on business cash flow, not just T4 income.
Typically, up to 80% of your home’s value, depending on the strength of your business income and property location.
We can qualify you with:
- 12 months of business bank statements
- Invoices, GST/HST returns, or contracts
- Proof of business ownership and consistent deposits
Rates vary based on the program — some are comparable to traditional bank rates, others slightly higher for low-doc or alternative options.
Absolutely — we help self-employed borrowers refinance, consolidate business debt, or access home equity for working capital and growth.
Client Profile:
- Self-employed contractor with incorporated business
- Gross business income: $180,000 / year
- Personal taxable income (after deductions): $65,000
- Mortgage request: $700,000 refinance + $50,000 line of credit
Traditional Lender: Declined (insufficient taxable income).
Advance Mortgages: Approved using 12-month bank statements — full amount funded within 72 hours.
Our programs reflect your real earning power — not just what’s on your tax return.
Your Business, Your Income, Your Mortgage — Simplified
At Advance Mortgages , we take pride in helping business owners succeed. Our deep lender network, compliance oversight, and real-world experience mean you’ll get:
Faster approvals | Fair, flexible qualification | Expert advice from trusted advisors who understand your business