Get Approved for a Mortgage While Self-Employed
Being self-employed shouldn’t make homeownership harder—but it often does when traditional lenders focus only on standard income documentation. At Brevity Mortgages, we specialize in helping self-employed individuals qualify for mortgages based on their full financial picture.
Whether you’re a business owner, contractor, freelancer, or commission-based earner, we understand that your income can look different from month to month. That’s why we work with lenders who take a more flexible approach to self-employed income, even if you’ve been in business for less than 2 years.
How Self-Employed Income is Assessed
Lenders may review a combination of your reported income, bank statements, business revenue, and overall financial stability. In some cases, we can also work with alternative lenders who offer more flexible qualification options.
Mortgage Options for Self-Employed Borrowers
Being self-employed can make traditional income verification more complex, but it doesn’t mean you can’t get a mortgage. We’ve helped thousands of self-employed borrowers to secure mortgage financing through our network of lenders. We know how to present your income accurately, and which lenders to submit your application to, so you can qualify for a mortgage that fits your specific situation.
Getting Approved with Confidence
The key to a successful self-employed mortgage application is preparation. Keeping your financial documents organized, maintaining consistent deposits, and reducing outstanding debt can all improve your approval chances.
With the right strategy from a broker and applying to the right lender, self-employment doesn’t have to be a barrier—it can still lead you to homeownership.
The Importance of Your Down Payment
For self-employed borrowers, having a solid down payment can play a key role in strengthening your application. A larger down payment can improve your approval chances, reduce lender risk concerns, and expand your mortgage options—even when income is structured differently.
Ready to get started?
Contact Brevity Mortgages today to explore your self-employed mortgage options and find a solution tailored to your income and goals. Call (905) 814-4455 or email info@brevitycapital.com
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Frequently Asked Questions
Yes, self-employed individuals can qualify for mortgages in Canada through traditional, alternative, or private lending programs.
Lenders may request tax returns, Notices of Assessment, bank statements, GST/HST filings, business licenses, financial statements, or proof of business ownership.
Many lenders prefer at least two years of self-employment history, although some alternative lenders may offer flexible qualification options.
Yes, incorporated business owners may qualify using salary, dividends, retained earnings, or stated income programs depending on the lender.
Mortgage approval can be more complex for self-employed applicants because income verification requirements are often stricter than for salaried employees.
