Self Employed

We can get you a mortgage in most situations regardless of your circumstances. Where traditional financial institutions have given the answer ?No?, we  say ?Yes? and get you a product that suits your needs at an extremely competitive rate.

Below is a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender ? each situation is unique and looked at accordingly. This is where our expertise and knowledge is essential in taking care of you and your family.

Employment - Self-employed	- Recent job start/change - Work experience outside Canada	- Lack of work history - Part-time
Income	- Income - Non-verifiable - Salary + commission - Seasonal	- Commission - Salary + OT and/or bonus
Credit	- Spotty/bad credit - No credit	- Good, but a lot of credit - Previously bankrupt
Property	- Rental - Construction - Cottages/vacation homes - Multiplex - Investment	- Rural/acreage - Mobile homes
Status	- Non-resident	- New immigrant
Financial	- Zero-down	- Purchase plus improvement

If you fall into one of the categories above, or if you have a different situation, we know where to go and how to structure the deal.
For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.