Self-Employed? We Present Your Story to Underwriters.
Verified/declared-income options with competitive short terms.
Built For Business Owners
- Docs: T1 Generals + NOAs; 12 months business bank statements (financials may be requested)
- Terms: 1–2 year fixed; up to 35-year amortization (program-dependent)
- Clarity: Side-by-side quotes with vs. without promotional buy down
- Ontario-wide: Fast, transparent pre-approvals
*Fees apply and vary by product and file — may include brokerage/admin fees and lender fees.
Where offered, promotional buydown is typically ~1–2% of the mortgage amount to reduce the contract rate by ~1%.
Final pricing is confirmed in the written commitment.
Fine print / Disclaimer:
Rates, fees, terms, and product availability are subject to change without notice. On Approved Credit (OAC). Errors and Omissions Excepted (E.&O.E). All applications are subject to lender and/or insurer underwriting approval and program guidelines; decisions are made by the lender/insurer underwriters.
Where applicable, mortgage default insurance may be required and, if permitted, may be capitalized into the mortgage balance. Promotional rate buydowns may require a one-time lender and/or brokerage fee (typically ~1–2% of the mortgage amount); the exact fee (if any) depends on the product and borrower profile.
Eligibility requirements may include (but are not limited to) minimum credit scores, debt service ratio limits, acceptable property types, and owner-occupied or occupancy standards. Amortization options (including up to 35 years, where permitted), prepayment privileges, renewal terms/conditions, and re-qualification requirements vary by product and lender. Some introductory products may limit or exclude prepayments during the initial term and/or may require renewal into a specified minimum term to avoid additional administrative fees—see product specifics at time of application.
Income documentation requirements vary by program. For example, salaried applicants maybe asked for a job letter and recent pay stub; pension/government-income applicants for an award letter and bank statements; self-employed applicants for recent T1 Generals/Notices of Assessment and/or other documents as requested. Additional documents may be required at the lender’s discretion. Not all applicants will qualify. Conditions, restrictions, and third-party costs (e.g., appraisal, legal, discharge, assignment) may apply.
