Self-Employed Mortgage Solutions in Ontario
Flexible Mortgage Options for Business Owners and Entrepreneurs
Why Getting a Mortgage is Different for the Self-Employed
If you run your own business, you know the challenges — and opportunities — of being self-employed. Unfortunately, traditional mortgage rules can make it harder to qualify, even when your income is strong.
At Tanya Pettinelli – Ontario Mortgage Agent, we work with lenders who understand self-employed borrowers and offer flexible approval criteria designed for entrepreneurs.
Whether you’re buying your first home, upgrading, or refinancing, we’ll help you secure a mortgage that works with your business reality.
Mortgage Options for the Self-Employed
01
Stated Income Mortgages
Available to borrowers who can’t prove income through traditional T4 slips.
Approval based on reasonable declared income, assets, and credit history.
02
Alternative Lender Mortgages
Designed for those with strong equity or down payment but non-traditional income verification.
Competitive rates compared to private lending.
03
Private Mortgages for Self-Employed
Minimal income documentation required.
Short-term financing to help secure property while preparing for a bank mortgage later.
04
Refinancing for Business Cash Flow
Access home equity for business expansion, debt consolidation, or working capital.
Flexible repayment structures to match your income cycle.
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Why Work with Tanya for a Self-Employed Mortgage?
Lender Network – Access to major banks, credit unions, alternative lenders, and private financing.
Over a decade helping Ontario entrepreneurs secure mortgages.
We structure your application to highlight strengths and minimize challenges.
Business financial statements (last 2 years)
Notice of Assessment from the CRA
Bank statements showing income deposits
Proof of business ownership or incorporation
Credit report
Secure Your Mortgage with Confidence
Being self-employed shouldn’t hold you back from homeownership
Book your free consultation with Tanya Pettinelli – Ontario Mortgage Agent and discover your best mortgage options today.
FAQs – Self-Employed Mortgages in Ontario
Q: Do self-employed people need a bigger down payment?
Some lenders require at least 20% down for self-employed borrowers without traditional income proof.
Q: Can I get a mortgage if I’ve been self-employed for less than two years?
Yes. Certain lenders will consider strong credit, significant down payment, or alternative income verification methods.
Q: Are interest rates higher for self-employed mortgages?
Not always. With strong credit and financials, you can still qualify for competitive rates.
Q: Can I use my business income for mortgage qualification?
Yes, lenders will review your business income along with personal financial details.
