Self-Employed Mortgage Solutions in Ontario
Bank turned you down for showing too little taxable income? I work with lenders who actually understand how Ontario entrepreneurs are paid.
Self-Employed Mortgage
If you write off legitimate business expenses to lower your taxable income, the big banks often penalize you for it. There's a better way.
Self-employed Ontarians — contractors, consultants, incorporated professionals, restaurant owners — are the backbone of the GTA economy. Unfortunately, traditional bank underwriting doesn't always reflect your real earning power.
I work with A-lenders, B-lenders, credit unions, and alternative lenders that look at your gross business income, bank statements, and the strength of your operating company. The result: financing terms that finally match your actual financial picture, while staying compliant with FSRA and OSFI requirements.
How I Can Help
- Stated-income and bank-statement mortgage programs across Ontario
- Solutions for incorporated, sole-proprietor, and commission-based applicants
- Strategies for buyers who use small business deductions or hold-co structures
- Stress-test planning calibrated to self-employed cash flow
- Refinance options to consolidate high-interest business debt into mortgage rates
A Simple 4-Step Process
Tell me about your goals and I'll outline your options for the Ontario market.
We confirm your budget, run the OSFI stress test, and lock in a competitive rate hold.
Shop with confidence knowing your financing and land transfer tax costs are mapped out.
I work with your realtor and lawyer through closing day so you can pick up the keys stress-free.
What Ontario Clients Say
Nick made the home buying process so easy. He was always available to answer questions and got me a great rate. I couldn't be happier!