Self Employed Mortgages - SafeBridge Financial Group

How Does a Self Employed Mortgage Work?

In order to qualify for a self-employed mortgage, most lenders will require tax documents such as NOA’s (Notice Of Assessment) from the past 2-3 years to be included in the mortgage application.

In addition, the following documentation will be required.

  • Contracts showing expected revenue for the coming year
  • Financial statements for your business
  • Personal and Business credit scores
  • Proof that GST/HST has been paid in full
  • Articles of Incorporation and GST license
  • Proof that you are the owner of the business
  • Proof that down payment has not been gifted

Let's Get Started

Please take a moment to fill out this quick form and we'll be in touch in 1 business day or less

    Is a Self Employed Mortgage Right For You?

    If you are self-employed and make more money that you show on your taxes it may be in your best interest to consider a self-employed mortgage.

    Meet Kat: 

    Kat is a dental surgeon who owns her own practice and works at a private clinic in Toronto. She makes $850K per year but only pays herself $150K in the form of a dividend. She is looking to purchase her first home in Toronto and needed the help of a SafeBridge mortgage agent to help her access the right mortgage products to fit her situation. Kat provided all her Financial Statements and was able to get into an amazing mortgage with a HELOC and flexible pre-payment terms to ensure she could pay off her mortgage as fast as possible.

    If you are a doctor, surgeon, lawyer, engineer, contractor etc who is self-employed, contact us today to see how we can help you with mortgage financing. We have worked with hundreds of self-employed professionals who love learning about all the options available to them.

    Get a Quote
    Self Employed Mortgages - SafeBridge Financial Group

    The Benefits of a Self Employed Mortgage

    There are a number of lenders who offer mortgage products specific to self-employed individuals. Working with a SafeBridge mortgage agent could save you both time and money as they can help you sort through all the options available and sort out which lender has the most customized solution for you.

    Here are 3 of the benefits of a self-employed mortgage:

    1. EASY: 

    Our team of mortgage professionals specialize in helping self-employed individuals get proper mortgage financing. We do the heavy lifting so you don’t have to.

    2. FLEXIBLE: 

    You can choose between self-employed mortgage options that best suit your changing needs as a business owner. You can also select specific mortgage products that will allow you to keep your money in your business and not spend it on needless mortgage fees etc.


    You are a business owner who is used to calling the shots…why should your mortgage be any different? Let us help you take control of your mortgage financing to ensure you are getting the exact product that suits your needs.

    Why SafeBridge is the Safest Choice

    Experience Matters.

    With over 20+ years in the mortgage lending space our team of mortgage professionals is qualified to help you with your self employed mortgage needs.

    At SafeBridge our access to over 63 different lenders sets us apart. We can literally look at various lenders and numerous products to find the perfect, customized solution for you.

    No two self employed scenarios  are alike and we pride ourselves in tailored solutions that solve your unique challenges with regards to self employed mortgage financing.

    When you work with SafeBridge, our team of professionals take the time to understand your situation and come up with the perfect financing solution.  It is always in your best interest to work with a company that will not only help you secure financing but also keep in mind your holistic financial goals and make sure they are all in alignment. We want to help you experience financial growth.  As a company we help thousands of clients each year find the perfect financing solution to fit their needs. When it comes to self employed mortgages our team of exceptional  mortgage brokers will assist you with finding the perfect mortgage and financing terms.

    As a business owner you have enough on your plate, let us do the heavy lifting and ensure you are getting the best financing possible!

    Apply Online for a Mortgage With SafeBridge

    We want to help make your home ownership dreams come true! Contact us today to find out how we can help get your self employed  financing in order. Whether you are looking to purchase a new home, renovate your existing home, or even build your dream home we are here to help!

    Click here to speak with an experienced SafeBridge mortgage agent today!

    Apply Now
    Permanent Life Insurance - SafeBridge Financial Group

    Have Questions?
    We Have the Answers

    Do all lenders offer self-employed mortgages?

    No, not all lenders offer self- employed mortgage options but most do offer some type of self-employed options.

    Will I need to show additional financial documents as a self-employed person?
    • Yes. You may need to show additional financial documents to prove your income and to show the structure of your business. These documents pay include but are not limited to the following:
    • Contracts showing expected revenue for the coming year
    • Financial statements for your business
    • Personal and Business credit scores
    • Proof that GST/HST has been paid in full
    • Articles of Incorporation and GST license
    • Proof that you are the owner of the business
    • Proof that down payment has not been gifted
    Is it harder to get mortgage financing as a self-employed person?

    No, it is not necessarily harder to get a self-employed mortgage than a regular mortgage but working with a SafeBridge mortgage agent who understands the complexities of your situation will be valuable as there are a number of options available

    Double Quotes

    Over the last 20 years we’ve been successful in attracting over 60 various lenders that our clients can benefit from. SafeBridge has evolved over the years and has become a very successful company…. The education, that comes along with not just the mortgage agent side of things, but also on the insurance and the investments and the financial planning all comes together in one holistic approach.


    Double Quotes

    For several years Andre has worked in the Financial Planning and Mortgage Solutions field with Scotiabank. After experiencing success, and gaining a wide knowledge base in the banking world, he decided to leave the bank to join a Boutique Mortgage Brokerage, Safebridge Financial Group.  Andre made the change so that he could offer clients a wider variety of mortgage options and lenders.

    Andre Persaud,

    Mortgage Agent

    SafeBridge Brokers & Advisors

    Meet the Team

    At SafeBridge we believe in experiencing growth together. We want to ensure that each of our agents is successful and feels a part of the SafeBridge team. We offer customized training, lender previews, team events and even team trips to build the strong culture of inclusion and support that so many of our agents enjoy.

    We believe it is essential to hire and Partner with the right people. We are looking for the best and brightest in the Industry to join our Exclusive Group of Professionals. Our team consists of loyal top producing Agents that have demonstrated exceptional care for their clients and passion for the industry in which they serve. Our Mortgage Centered Financial Planning approach helps our team foster long lasting relationships, which brings a unique process to the mortgage business.

    SafeBridge Partners
    Trusted by the
    Biggest Names in Mortgages

    With over 20+ years in the Mortgage Industry, SafeBridge has built a solid reputation in the industry and is well respected by all major lending partners. SafeBridge has partnerships with over 10 insurance providers in Canada and has access to hundreds of mortgage products.

    scotia Logo Canada Trust Logo RMG Logo x metrix MCAP Logo First National Financial LP Logo Equitable Logo Home Trust Logo
    Learn More