Self-Employed Mortgages

Self-Employed Mortgages in BC

It is hard to get approved for a mortgage when you are self-employed. At Best Rates Mortgage we specialize in working with self-employed individuals. Getting a mortgage without easily provable income is not easy. Now there are many mortgage solutions available for people like you. We use Stated Income and No Income Mortgages to help get you approved. Call us to explore your options!

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Getting a Mortgage When Your Net Income Is Low!

Self-employed individuals have write-offs. These write-offs result in a reduction of your declared net income. This, in turn, makes it harder to qualify for a mortgage. If you are looking for a mortgage but are unable to secure one, call us today! You are NOT required to prove your income by tax returns; a fair assessment of your annual income is usually acceptable.

Stated Income and No Income Mortgages allow one to purchase a home or refinance your home at as low as a 10% down payment! Most of our customers receive the same low rates as typical income qualified borrowers!

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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