Self Employed

Mortgage

Buying your First Home or an Investment Property,

We have you covered!

Self Employed Mortgage

Translate entrepreneurial income

into # approval without the headaches.

Flexible Income Verification

Full-Doc (2 yrs in business): 2yrs Notices of Assessment & TI Generals.

Enhanced "Stated" Programs(12-24 mos): 6-12 mos business bank statements + CPA letter ideal when write-offs shrink taxable income.

<2 Years in Business: Alt-Doc or B-lender programs using 12mos bank deposits, signed contracts, or projected gross revenue, plus a larger down payment (10-20%) and stronger

credit.

Smart Qualification Tactics

We gross-up eligible income by up to 15% and add back depreciation, amortization, and one-time expenses to boost borrowing power.

Up to 80% of rental income on side properties can further strengthen your life.

Down-Payment & CMHC Rules

Same minimum as salaried borrowers (5% on first $500k; 10% on $500,000 - $999,999), but some lenders require 10%+ for self-employed- especially under 2 years.

CMHC/Sagen/Canada Guaranty have Self-Employed Without Traditional Income Verification options once you pass 12mos in business.

Competitive Products

1- to 5-year fixed and variable terms, Home Equity Lines (HELOCs) for working capital, and interest-only options to smooth cash-flow swings.

Tax & Cash-Flow Guidance

We liaise with your accountant so income planning, GST/HST obligations, and future refinancing line up seamlessly.

Documentation Checklist

2+ yrs self-employed:

2yrs Personal NOAS & Tls, 2 yrs

Financials (incorporated) Corporate

T2s, rent rolls

12-24mos self-employed: 1

2 mos business bank statements, current year interim financials, CPA income-projection letter Signed contracts or invoices showing future revenue

<12mos self-employed:

6mos business deposits, detailed business plan, larger down payment proof Guarantor income or secondary salaried income

Quick Tip: Even at under two years, a solid credit score (>680)+10-20% down and clear growth trajectory can unlock near-prime rates with certain lenders.

Our Process

Lender Match & Rate Hold (24 hrs)

Receive written terms while you shop for a property.

Underwriting & Closing

We coordinate appraisals, lawyers, and any corporate resolutions.

Post-Funding Support

Annual Mortgage check-ups to align with changing write-offs and growth.

Information accurate as of May 2 2025; lending criteria subject to change and to individual lender approval. Ontario residents only.

Markets Served: Serving Toronto and Surrounding Area

Serving Toronto and surrounding areas, I provide expert Mortgage solutions purchases, refinances, renewals, and more. Get a free quote today and experience service focused on your goals, not the lenders

Skip the traditional bank hurdles! Tell us a bit about your business and homebuying goals below. Our miibroker specialists know how to leverage your unique financial profile to secure the most competitive self-employed mortgage rates available.

Are you Self Employed? *

Are you Self Employed For less than 2 years? *

Found a property? *

I have made offer to purchase

I plan to make an offer soon

I want to be pre-qualified

I am just curious

How much will your home cost? (CAD$) *

If you have not found a property yet, simply enter the approximate amount you’re looking for.

Will you live in this property? *

First Name *

Last Name *

Mobile Phone No. (+1) *

This will be your password is sent so check its entered correctly

By checking this box, I consent to receive transactional messages related to my account, orders, or services I have requested. These messages may include appointment reminders, order confirmations, and account notifications among others. Message frequency may vary. Message & Data rates may apply.Reply HELP for help or STOP to opt-out.

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Email *

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What do People say to us?

★ ★ ★ ★ ★

I would just like to personally thank you in regards to our latest Mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again.

Karen

★ ★ ★ ★ ★

The automation capabilities are incredible. We've saved countless hours and Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze! improved our customer engagement significantly.

Mina

★ ★ ★ ★ ★

I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.

Samir

★ ★ ★ ★ ★

Got me a mortgage when all other places rejected me. Ben worked tirelessly to get me approved. Will always be grateful for their help! A+++

Mohammad Hendesi

★ ★ ★ ★ ★

Highly recommended! They have unbelievable expertise in tax diversification. Miibroker provided asset protection and liquidity options that our traditional bank had never even mentioned to us. A total game-changer for our portfolio.

Kekzky 24

★ ★ ★ ★ ★

Transparent, quick, and highly reliable. There are no hidden surprises or unnecessary delays with Miibroker, which is exactly what I was looking for. It's a solid, trustworthy platform that gets the job done right.