Self-Employed Mortgage Help

Do you need a mortgage but think you don't qualify because you're self-employed? We can help! We ​​​​​​​​​​​​have the financial solution for ​your unique​ employment situation. At LendToday, we can offer you:

​​​Self-Employed Mortgage Solutions

Understanding what many lenders look for when they are considering your application for a mortgage is essential. This includes the nature of your business because it gives banks and other lenders an insight into ​where​ your monthly revenue​ is coming from​.

For example, a construction company owner can operate in many different construction industry sectors. Mortgage lenders need to know whether the business caters to commercial or residential clients as well as the type of construction work they do.

Another critical measure of your business is the length of time it has been operating around. Gone are the days when you could open a business today and, in a few months, qualify for all kinds of credit because you generated a ton of revenue.

Instead, most lending institutions want to see at least two years of self-employed history to back up any income claim on an application. This two-year history will show the stability of your income and employment.

Let’s Get You Started

Apply for a Self-Employed Mortgage Now!

We want to help you focus on what’s most important to you, be it your family or your business

How To Qualify for a Self-Employed Mortgage in Canada?
- 4 Essential Documents that Make your Application Easier

Being a self-employed individual allows you to direct your revenue stream from many different ways. The good news is even though there are tough guidelines to qualify for a self-employed mortgage today, we know exactly what documents matter to be approved.

Here is a list of supporting documents that will strengthen your application for a mortgage:

These documents will help your mortgage broker better understand the income you generate versus the income you declare. Of course, there is a lot of calculation behind identifying which income can be used and which cannot – leave that all to us and our expert mortgage brokers.

Great Self-Employed
Mortgage Rates

There are several self-employed mortgage lender options available that come with great rates and faster approval. There are also CMHC (Canada Mortgage and Housing Corporation) programs that are built to assist self-employed people.

Transform from Struggling to Stress-free Self-Employment!

Applying for a mortgage as a self-employed individual? Relax and let our team of experts assist you with finding the best financing solution for your needs.

LendToday Options for Entrepreneurs

Here at, our team of expert mortgage brokers had been working with self-employed people who have been turned down for mortgage applications at big banks, and these include those who have been turned down several times. We work with an extensive network of lenders who understand the challenges that self-employed borrowers must overcome to qualify for a mortgage.

If you are still searching for options, book a free consultation with our team today. Why wait? There’s nothing to lose. Contact now or apply online and check out how we can help.

Why Choose for a Self-Employed Mortgage?

With 30 years of experience in the mortgage industry, we will help you find the most suitable mortgage option for your business. As a business owner or self-employed individual, we know your needs are unique, and we’re here to assist you in getting the mortgage terms you deserve.

Here are 3 reasons our clients prefer us to other lenders:

Self-Employed Mortgage FAQs

If your tax returns indicate a low net income, but you have documentation proving you earn more, some lenders will still consider your application for a mortgage. Presenting reliable proof of your income will make the lender feel more comfortable about approving the loan for you.

It depends on what kind of mortgage you're applying for. For example, a ​​self-employed mortgage may not be available to you because lenders want to see at least two years of self-employment history before approving your self-employed mortgage. However, if your line of business is similar and you have contracts to prove your expected earnings you may still have options. If you're applying for a traditional mortgage, your income from the previous two years as a traditional employee may be sufficient to convince lenders of your earning power.

Using a knowledgeable mortgage broker that can walk you through your options is key to getting your mortgage loan approved. Whether you’ve been self-employed for 3 months or owned your business for many years there a steps that you can take to ensure you get the loan your looking for.

No matter your credit score, or income there are simple business for self programs to fit your needs. Talk to the team at LendToday to find a suitable solution for you.

Struggling with Self-Employed Mortgage Application Approval?

Your Struggle Ends with just One Click Away!

You can depend on us when it comes to your financial needs. You'll get the best mortgage service available.

Hear What Our Happy Clients Have to Say

Rated 4.9 of 5

5-Star Rated

We’re proud to be top-rated among clients in Canada.

Self Employed Mortgage Canada

I just want to say thank you so much for helping us with our refinancing as it was a pleasure working with you. I will definitely refer you to our family and friends should they need a mortgage broker. Have a great weekend!

Lisa Hobbs
Self Employed Mortgage Canada

Just wanted to drop you a note to say thanks again! I just looked at my new amortization schedule and I am so glad I made the initial call to you. My mortgage is going to be paid off 6 years sooner and I am saving $700 per month.

Brian P
Self Employed Mortgage Canada

I can’t believe we put off refinancing our home as long as we did. Looking back at what we were paying and what we are paying now makes me want to cry. We are saving over $1300 per month in payments. Thanks again for everything you did!

Kevin B

Working with

Our expert team of experienced mortgage brokers has more than 30 years helping people qualify for loans and work with many different lenders. We’ll help you find the right solution for your lending needs. Even if you don’t qualify with your bank today – we will help turn things around for you.

We also offer in-house credit repair services. Our process will eventually have you qualifying for a self-employed mortgage even if you’ve filed a bankruptcy or consumer proposal, lost your job, or maxed out your credit. We can help.

Give our team a call and let us show you how to rehabilitate your credit and improve your credit score. If you apply online today, we’ll get you an answer in as fast as 24 hours. Live your dreams – we can help with that!