Our Program
Running your own business shouldn’t stand between you and
homeownership. Traditional lenders often struggle to assess
self-employed income fairly — but we work with specialized
lenders who understand T1 generals, NOAs, and bank statement
programs. Whether you’ve been self-employed for 2 years or
20, we find a mortgage that reflects your real financial
strength.
A self-employed mortgage is a mortgage designed for
borrowers who don’t receive a traditional T4 salary.
It uses alternative income verification methods to
qualify business owners, contractors, and freelancers
for competitive mortgage rates.
We work with lenders who accept NOAs, T1 generals, 12–24 months of business bank statements, or accountant letters — so your income is always presented accurately and fairly.
Being self-employed doesn't mean paying a higher rate. Through our network of 50+ lenders, our self-employed clients regularly secure the same competitive rates as traditionally employed borrowers.
Most lenders we work with require just 2 years of self-employment history — and in some cases, we can qualify clients with as little as 1 year.
Our brokers have helped hundreds of self-employed Canadians get approved. We know exactly which lenders to approach and how to structure your application for the strongest possible result.
Getting a mortgage as a self-employed Canadian is more
straightforward than most people think — when you work
with the right broker. Here’s how we do it.
Whether you're a sole proprietor, incorporated, a contractor, or a freelancer, we tailor your application to the income documentation that works best for your specific business structure.
Not all lenders treat self-employed income the same way. We match you with lenders who specialize in self-employed borrowers and offer flexible qualification criteria.
Our advisors help you present your income in the most favorable way — using NOAs, T1 generals, financial statements, or bank statements depending on your situation.
Once your documents are in order, most self-employed approvals through Rapid Rates take as little as 48 hours from application to commitment letter.
Canada’s Fastest Path to Your Best Rate
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