Self-Employed Mortgage Solutions in Canada –Simplified Financing for Entrepreneurs
Are you self-employed and looking to secure a mortgage in Canada? Traditional lenders often overlook the unique financial situations of entrepreneurs, freelancers, and small business owners. At Genesis Group, we specialize in providing self-employed mortgage solutions tailored to fit your fluctuating income, ensuring you get approved without the usual hassle. Whether you’re buying a home, refinancing, or investing in property, our mortgage experts are here to simplify the process and secure the best rates for you.

Why Choose Our Self-Employed Mortgage Solutions?
- 🏡 Flexible Income Verification: We work with alternative income documentation, making it easier to qualify.
- 📄 Tailored Lending Solutions: Options designed specifically for business owners and freelancers.
- 💼 Access to 65+ Lenders: Compare the best offers to secure competitive rates.
- 🔑 No Traditional Income Required: Options available even without traditional pay stubs or T4s.
- ⭐ Personalized Support: Our experienced mortgage specialists guide you every step of the way.
Learn more about mortgage options for self-employed individuals by visiting the Government of Canada’s Self-Employment Programs.
Challenges of Getting a Mortgage When Self-Employed
As a self-employed individual, qualifying for a mortgage can be more complex due to:
- Irregular income streams and tax write-offs reducing reported earnings.
- Difficulty in proving long-term financial stability.
- Higher documentation requirements compared to salaried employees.
At Genesis Group, we make it easier by working with lenders who understand self-employed income structures and offering mortgage solutions tailored to your needs.


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At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.
How Our Self-Employed Mortgage Process Works (Step-by-Step Guide)
- Consultation: Speak with one of our mortgage experts to discuss your goals and financial situation.
- Income Assessment: We evaluate your business and personal finances to identify the best mortgage options.
- Lender Matching: Our experts match you with lenders who specialize in self-employed mortgages.
- Pre-Approval: Get pre-approved quickly to start your home-buying journey with confidence.
- Final Approval & Closing: We guide you through the final approval process and secure the best terms available.

Discover the Key Benefits of Choosing Your Self-Employed Mortgage with Genesis Group.
⭐⭐⭐⭐⭐ Experience Guaranteed
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I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!
Breanna Bacik
09/13/2024Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs
Mark Winter
11/13/2024Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more are truly 5 star. Highly recommend!
Lui Vescio Jr.
12/13/2024 -
Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more I wouldn't trust anyone else to give me truth, detailed research, and industry knowledge/trends than Brittney. She made me feel comfortable, empowered, and completely in control. If you're searching for a mortgage or loan, the only name I would suggest is Genesis Group. You immediately feel like family and I can not say enough fantastic things about them. Thank you Brittney and team.
Maria Woychyshyn
11/13/2024If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more they were magicians. Highly recommend if you like your mortgages fast and your brokers witty! Special shoutout to Kirk the CEO and Brittney, they came back to me with the lowest rates and a heap of knowledge to guide me through. Definitely the best in the business!
Samantha L
09/13/2024As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more working with Kirk Bryan, the founder & CEO, who personally guided me through each step with exceptional expertise and genuine care. Kirk and his team worked tirelessly to secure a fantastic interest rate for my mortgage, ensuring every detail was perfectly in place. Their award-winning service is evident in their proactive communication, deep industry knowledge, and commitment to their clients. Thanks to The Genesis Group, I crossed the finish line with my very first home purchase, feeling confident and well-supported. Highly recommended for anyone looking to make their home ownership dreams a reality!
Rohan Spence
05/13/2024 -
Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more Without their assistance and guidance, I wouldn't have been able to buy the business and help me achieve my financial goals. I would recommend Kirk and the Genesis Team, if you require any type of financing, be it for residential or commercial needs reach out to them.
Sean P.
02/21/2024My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more informative, and honest with us throughout the whole process. We were extremely scared to dip our toes into the current housing market, but he took the time to address our concerns, go over our expectations and after only meeting us once, he was committed to us, our journey and getting us the very best rate that he could. We were blessed to have Kirk in our corner when we quickly found a home that we fell in love with. With his expertise we were able to see our dream as homeowners come to light. Thank you so much for all your help, Kirk! There are so many great things we could say about you and your team, but we want you to know that your positivity and passion for what you do is appreciated and admired. We look forward to working with you again as our family continues to grow over the next couple of years.
stephanie B
01/13/2023My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more us. They made the process so smooth and we would recommend them again and again. The level of professionalism and help that they gave us was unmatched! 10/10
Laura Vescio
11/13/2024

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Frequently Asked Questions
How do I prove my income as a self-employed borrower?
Lenders typically require tax returns, bank statements, business financials, and NOAs (Notice of Assessment) to verify your income.
Can I qualify for a mortgage without traditional income documents?
Yes! Alternative lending solutions allow self-employed individuals to qualify using bank statements and declared income.
What are the down payment requirements for self-employed mortgages?
Generally, a minimum of 10-20% is required, but with strong financials, you may qualify for lower down payment options.
Are interest rates higher for self-employed mortgages?
Rates depend on your financial profile, but we work with lenders to secure competitive options that align with your income.
How long do I need to be self-employed to qualify for a mortgage?
Most lenders prefer at least two years of self-employment history, but some offer options with shorter durations.