ATTENTION: Self employed/FreelancerS/Business OWners/Truckers
Mortgages for Self Employed
GET APPROVED USING 12 month business bank statements
NO TAX RETURNS REQUIRED
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No cost to you. No Obligation
This is a no-risk way to explore your options. No hard credit check required.
SPECIAL PROGRAM FOR
Self Employed Business Owners
FREELANCERS
TRUCKERS
No Tax Returns Required
12 month business bank statements
Businesses less than 2 years old are accepted
Approval ready within 48 hours
Access to 60+ Lenders
Benefits
Flexible Options
Many lender's to choose from
Business owners/ Self Employed/ Freelancers
LTV - 80% Loan to Value
No income verification option available
Minimal Documentation
12 month business bank statements
Business ownership confirmation
No tax returns/NOA's/T1 General's Required
Flexible Credit Requirements
500+ credit score accepted
(higher the score, better the rate)
Limited credit and consumer proposals/bankruptcy considered.
STILL NOT SURE?
Frequently Asked Questions
1. Can I get approved for a mortgage if I don’t show much income on my taxes?
Yes. Many self-employed individuals write off expenses to lower their taxable income, which can make traditional approval difficult. We work with lenders who use alternative income verification methods like bank statements instead of tax returns
2. What documents do I need to apply?
Depending on the lender, you may be asked for:
• 6 to 12 months of business and/or personal bank statements
• Business license or articles of incorporation
• Invoices or contracts
We’ll walk you through exactly what you need based on your situation.
3. Do I need to be incorporated to qualify?
Nope. Whether you’re a sole proprietor, incorporated, freelancer, or gig worker, there are mortgage options available for you.
4. Can I refinance my home if I’m self-employed?
Absolutely. If you have available equity, we can help you refinance for lower payments, debt consolidation, or to pull out cash for your business.
To check if you qualify or if you have enough equity available, click on the button below.
5. How fast can I get approved?
In many cases, we can get you conditionally approved within 24–48 hours, and fully funded in as little as 5–10 business days, depending on your situation.
Get a Free Consultation
with a Licensed Mortgage Agent/Broker.
Free of charge / No obligation
Get all your questions answered
Get a Rate quote
Get a Free Quote today!
Disclaimer
LoanFlow is a matching service, not a lender. Once you complete our form we will match you with a mortgage broker or lender who will discuss your needs and lending options with you.
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