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
09/13/2024My 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
Laura Vescio
11/13/2024From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more
Rohan Germain
01/13/2024 -
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
Sean P.
02/21/2024If 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
Samantha L
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
11/13/2024 -
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
Maria Woychyshyn
11/13/2024As 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
Rohan Spence
05/13/2024The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more
S T
01/13/2023
Gain access to our vast network of 65+ lenders offering tailored residential mortgages to suit your financial needs.
🔑 Ready to Secure Your Self-Employed Mortgage?
Take control of your homeownership journey today. Our team is here to help you navigate the process with ease and confidence.
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.