Self Employed Mortgage
Mortgage solutions designed for business owners, freelancers, and contractors in the GTA. .
Get expert guidance, top lender access, and the mortgage you deserve
Self-employed in Toronto? Getting approved for a mortgage doesn’t have to be complicated.
As a business owner, you know how to manage your finances—but traditional lenders often don’t recognize your true income. That’s why we work with lenders who specialize in self-employed mortgages—offering flexible programs that look at your business revenue, credit history, and overall financial picture.
🎯 Let’s simplify the process and find the mortgage that fits the way you work.
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Self-Employed Mortgage Solutions in Toronto
💡 Did You Know?
Being your own boss has incredible advantages—but it can also mean extra hurdles when applying for a mortgage.Unlike salaried employees, whose income is easy to verify, self-employed borrowers often report lower taxable income due to business write-offs—making it harder to qualify with traditional lenders.
The good news? Specialized mortgage programs exist specifically for self-employed Canadians. Many lenders offer stated income or low-documentation options that let business owners qualify based on gross revenue and industry standards, not just tax returns. Some even allow approvals with as little as 5% down, and refinancing up to 90% loan-to-value with alternative income verification.
Here’s something important: your credit score and business history matter more than ever. When traditional income documentation isn’t available, lenders focus on credit strength, business stability, and down payment to assess eligibility.
Navigating the mortgage process doesn’t have to be frustrating. With the right mortgage specialist, you can access flexible financing built for business owners.
👉 Contact me today to explore your options and secure the mortgage you deserve.
Fun Facts About Mortgage Architects & Dominion Lending Centres
A Decade of Strength – Mortgage Architects (MA) was acquired 10 years ago by Dominion Lending Centres Group (TSX: DLCG), the largest mortgage brokerage network in Canada and the #1-ranked mortgage originator with all of the country’s top 10 lenders.
A Trusted Brand – As a prominent brokerage within DLCG, Mortgage Architects has built a reputation for expert guidance, exclusive lender access, and top-tier mortgage solutions.
A True Juggernaut – Founded in 2006, DLCG boasts 8,500+ mortgage professionals across 500+ locations nationwide, funding $62 billion in mortgages annually—a powerhouse in Canadian home financing.
Tech-Driven Excellence – DLCG’s fintech platform, Velocity, revolutionizes the mortgage process by streamlining approvals, making home financing faster, smarter, and easier for Canadians.
More Choices, Better Rates – Our exclusive relationships with major banks, credit unions, and alternative lenders give you access to the best mortgage options tailored to your needs.
A Company That Gives Back – DLCG and Mortgage Architects support local communities across Canada, promoting financial literacy and helping families achieve homeownership.
Our experience and exclusive status work for YOU!
Our Simple, Expert-Guided 4-Step Mortgage Application Process
1️⃣ Get Started: Free Consultation—Contact Us!
2️⃣ Personalized Mortgage Strategy
3️⃣ Pre-Approval & Online Application
4️⃣ Lender Review and Approval
Essential Documents for a Smooth Mortgage Process
Providing all the required documents upfront ensures a smooth and efficient mortgage process. Below is a list of items we may require, depending on your specific situation:
✅ Property Details
To ensure a seamless mortgage application, we may need the following property-related details:
• Agreement of Purchase and Sale
• MLS Listing (if applicable)
• Contact information for your lawyer (name, address, phone, and email)
✅ Personal Identification
• Two pieces of government-issued ID for all applicants
✅ Income and Employment Verification
• Recent pay stub(s)
• Letter of employment (on company letterhead, stating salary, position, and length of employment)
• T4(s) and Notice of Assessment(s) (NOAs) for the last two years (for self-employed applicants)
✅ Down Payment & Financial Information
• Proof of down payment (90-day history of savings/investments)
• Gift letter (if applicable) along with supporting bank statement
• Void cheque or pre-authorized payment form
• Copy of home insurance policy
Additional Requirements: Depending on the property and lender, an appraisal may be required.
What You Can Expect from Us:
At Mortgage Architects, we are committed to understanding your needs today while helping you achieve your long-term financial goals. Our team works diligently to match you with the right mortgage solution. With access to over 50 lending institutions—including major banks, credit unions, and exclusive alternative lenders available only through licensed mortgage agents—we secure the best financing options tailored to your unique situation.
Our Commitment to You:
• We simplify the mortgage process and provide clear guidance every step of the way.
• We advocate on your behalf to get the best possible mortgage terms.
• We stay connected even after your mortgage closes, providing ongoing advice as your financial needs evolve.
Frequently Asked Questions
1️⃣ Why is it harder for self-employed people to get a mortgage?
✅ Answer: Traditional lenders rely heavily on T4 income and tax returns. As a self-employed borrower, your taxable income may appear lower due to write-offs—even if your business is profitable. This can make it harder to qualify under standard guidelines unless you work with a lender who understands self-employed income.
2️⃣ What documents do I need to apply?
✅ Answer: It depends on the program and lender. Common documents include:
• 2 years of personal and business tax returns
• Notices of Assessment (NOAs)
• Business bank statements
• Proof of business registration or incorporation
Some programs allow stated income or alternative documentation, which we can explore together.
3️⃣ What is a stated income mortgage?
✅ Answer: A stated income mortgage allows self-employed borrowers to qualify based on a reasonable estimate of their income, rather than just tax filings. Lenders may use industry benchmarks, bank statements, and business performance to assess your ability to repay.
4️⃣ Can I qualify with just 5% down?
✅ Answer: Yes, some insured mortgage programs allow self-employed borrowers to buy with as little as 5% down, provided you meet credit and income requirements. For refinancing, some lenders allow up to 90% loan-to-value using alternative income verification methods.
5️⃣ Will my credit score matter more if I’m self-employed?
✅ Answer: Yes. Without traditional income documentation, lenders will place extra weight on your credit score, payment history, and overall financial picture when reviewing your application. Maintaining a strong credit profile improves your options and rates.
6️⃣ What types of lenders work with self-employed borrowers?
✅ Answer: We work with a range of lenders—including major banks, credit unions, and alternative lenders—who offer flexible mortgage programs for business owners. Each has its own approach to qualifying income, so it’s important to match your situation with the right lender.
7️⃣ Can I get a mortgage if my income is inconsistent?
✅ Answer: Yes. Many self-employed borrowers have variable or seasonal income, which is totally normal. We’ll look at averaged income, gross revenue, or alternative methods to show your earning capacity and build a strong case for approval.
8️⃣ How can a mortgage broker help me?
✅ Answer: As a broker, I work for you—not the bank. I’ll help you:
• Understand lender expectations
• Choose the best documentation strategy
• Compare lenders and rates
• Avoid overpaying for being self-employed
📢 With the right advice, your mortgage approval is closer than you think.
9️⃣ What are today’s mortgage rates for self-employed borrowers?
✅ Answer: Mortgage rates for self-employed borrowers vary based on your credit profile, income documentation, and lender type. We work with Canada’s top lenders to find you the most competitive rate available for your situation. Just reach out and we’ll provide a personalized quote.
🔟 Do I have to pay fees to work with a mortgage broker?
✅ Answer: In most cases, our services are free because we’re paid by the lender once your mortgage is arranged. You’ll receive expert advice and full lender access at no cost to you.
We’re an award-winning team in Toronto, powered by Canada’s top mortgage network—funding more mortgages daily than any bank.
Matthew Dobson #M24003077
Mortgage Agent Level 1
Mortgage Architects #12728
c: 416-342-3952
e: md@mortgagearchitectsgta.ca
MA Mortgage Architects Inc.
5675 Whittle Road
Mississauga, ON L4Z 3P6