Self-Employed Mortgages

Self-Employed Mortgages

Self-Employed Mortgages in BC

Securing a mortgage can pose challenges for self-employed individuals. At Best Rates Mortgage, we specialize in collaborating with self-employed clients, providing tailored mortgage solutions to meet their specific needs. Our dedicated team understands the complexities of income verification for self-employed professionals and is committed to finding the most suitable mortgage options for you.

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Getting a Mortgage When Your Net Income Is Low!

Self-employed individuals often encounter difficulties qualifying for a mortgage due to reduced declared net income resulting from business-related write-offs. If you find it challenging to secure a mortgage due to these circumstances, our team can offer guidance and alternative solutions. We facilitate Stated Income and No Income Mortgages, enabling you to navigate the mortgage process with ease and confidence. Feel free to contact us today to explore the range of options available to you.

At Best Rates Mortgage, we aim to empower self-employed individuals with the necessary resources to achieve their homeownership goals. Our team is committed to providing comprehensive support and expertise throughout the mortgage application process, ensuring a smooth and stress-free experience for our clients.

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  • A Notice Of Assessment (or NOA) is often required in order to show that you do not have personal income tax owed to the CRA.
  • Our lenders require you prove that you have been self-employed for at least 2 years, by providing one of the following:
  • Articles of Incorporation, Business License, GST Return etc.

Benefits of Self-Employed Mortgages

  • They are available for both purchases and refinances.
  • They are accessible even to borrowers without traditional forms of income confirmation.
  • We provide CMHC insured financing for refinancing up to 80% of the value for a 1 or 2 unit owner-occupied property.
  • We provide flexible financing options such as: single advance, progress advances and extended amortization periods.
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We also work with a wide variety of bad credit lenders and private lenders that offer different programs that fit almost every situation, even if your self employed!.

When the Bank says "NO", We say "YES".

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Approvals in 24 Hours

Apply Now 604-980-5459