Mortgages for Self Employed

Why use Mortgage Guys?


  • You can go to every bank one at a time or you can go to them all at once Mortgage Guys – one and done
  • Apply online in minutes from the comfort of your home
  • Rates as low as you go !
  • Get unbiased expert advice with hundreds of options no single bank can provide
  • Secure a rate hold for up to 120 days
  • Fast we mean really fast service
  • Save a ton of time and money with our pre-negotiated rates and terms

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Self Employed Approval Tips

All of the tips above will help make you more appealing to institutions and private lenders, but there is still a lot of work ahead before you can sign on the dotted line of a mortgage agreement – and that’s where we come in. As business owners ourselves, we take a personal interest in making sure independent operators are able to secure mortgages and work toward buying their new homes. Our extensive network of institutional and private lenders offer options tailored specifically for people like you – ones that don’t require you to jump through extra hoops to prove your income. The road to getting a mortgage might not be as easy as it should be for the self-employed, but we’ll say it again – the Mortgage Guys are here to help. Book an appointment today and we won’t rest until we find the option that’s right for you. With the eyes of potential mortgage lenders focused closely on you, you’re going to want to be as squeaky clean as possible. Before you apply for a mortgage, do your homework and keep these tips in mind:



File Personal Taxes

File your personal tax returns and pay any income tax you owe on time. This shows that you’re reliable, honest, and serious about both your business and your potential new mortgage.


Credit History

Keep your credit history clean. Bad credit history is a major red flag for anyone applying for a mortgage, but it’s particularly damaging for the self-employed who are scrutinized more heavily around income.



Have as much money in your savings as you can. This not only makes the banks view you more favorably, but it may also lead them to give you a lower rate.

Speak To A Broker Today


You can go to every bank one at a time or you can go to them all at once with one application why not be one and done– something no bank can do ! With exceptional service, expert advice we will save you thousands.


Our Mortgage Process Simplified.

At we want to provide you with a stress-free mortgage experience.

  • Pre Approval Consultation: Well discuss what your situation and needs are and provide the options with any pros and cons to each. From here you'll fill out an application online or in-person and upload the necessary documentation. Then you'll receive a pre-approval and budget so you can begin your search.
  • Make An Offer On Your Home and Gather The Necessary Information: We’ll review and gather employment letters, pay stubs, and all necessary documents to make sure there are no surprises at the end.
  • Select a Lender: Together we’ll review lender options and the type of loan that best suits you.
  • Mortgage Loan Submission Mortgage Load Approval: We are notified of the approval and we then ensure with you any outstanding conditions are met prior to funding.
  • Prepare Mortgage Documents: Your mortgage documents are completed and you can sign them from the comfort of your home or come in to sign.
  • Mortgage Funding: Your mortgage funds are then transferred by wire to your lawyer on your closing date.
  • Move in and love your new home – CONGRATULATIONS!



Self-Employed Mortgage – Increase Your Odds of Approval

Self-employment is an increasingly popular option in today’s workforce, and it certainly comes with a lot of benefits. But unfortunately, getting approved for a mortgage isn’t one of them. Banks and mortgage lenders tend to view entrepreneurs, small business owners, and freelance professionals as higher risk than traditional 9-to-5ers at established organizations. With variable income month to month, reduced taxable income, lack of tax records, and stricter rules for how income is assessed, the odds can be stacked against you if you’re self-employed. Does that mean you won’t ever be able to get a mortgage if you work for yourself? Absolutely not!


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