Self-Employed
Mortgage Solutions
Banks see your tax return. I see your real income. As a self-employed business owner, you deserve a mortgage based on your actual earnings — not a number that's been reduced by smart tax planning. Let's find lenders who understand entrepreneurial income.
Why Choose Michael North
Get Your Self-Employed Mortgage Quote
We specialize in business owner financing
Why Choose Michael North
Why Choose Michael North for Your Self-Employed Mortgage
As a licensed Ontario mortgage agent, Michael North provides personalized service and access to the best rates from over 50 lenders.
Flexible Income Verification
We use bank statements, contracts, and invoices — not just tax returns that may understate your true income.
Use Your Real Income
Lenders who understand that business write-offs don't reflect your actual ability to pay a mortgage.
As Little as 1 Year Self-Employed
Some programs accept borrowers with just 12 months of self-employment history.
Competitive Rates Available
Access to A-lender rates for qualified applicants, plus alternative options for complex situations.
Business & Personal Combined
Finance both your home and business property needs through coordinated mortgage solutions.
No Penalty for Tax Efficiency
We work with lenders who won't penalize you for smart tax planning and legitimate deductions.
Mortgages for Business Owners, Freelancers & Contractors in Ontario
If you're self-employed, you already know the challenge: banks look at your tax return and see a number that doesn't reflect your true income. You've built a successful business, you have strong cash flow, but traditional lenders can't see past your taxable income.
That's where I come in. I work with lenders who understand self-employed income — lenders who will look at your bank statements, your contracts, your actual business performance. They know that write-offs and deductions are smart tax planning, not a sign that you can't afford a mortgage.
Whether you're a sole proprietor, contractor, freelancer, or incorporated business owner, I have mortgage solutions designed specifically for how you earn. Stop being penalized for your entrepreneurial success.
How We Prove Your Real Income
Traditional banks have one way to verify income: your Notice of Assessment. But self-employed income is more complex than a single line on a tax return.
Documentation Options Available
- Bank statement programs — 12-24 months of business deposits demonstrate your true cash flow
- Stated income programs — Declare your income with reasonableness checks based on your industry
- Add-back programs — Certain lenders will add back legitimate business expenses to your income
- Gross revenue consideration — Some lenders assess your business revenue, not just net income
- Contract-based qualification — If you have signed contracts, some lenders will use projected income
I'll review your situation and match you with the program that presents your income in the best possible light — all while keeping rates competitive.
How to Get Your Self-Employed Mortgage with Michael North
Working with a mortgage agent makes the process simple. Here's how it works:
Income Assessment
We review your bank statements, contracts, invoices, and business financials to determine your true qualifying income.
Lender Matching
Based on your income documentation, we identify lenders with programs designed for self-employed borrowers.
Documentation Prep
We help you gather the right documents and present your application in the strongest possible light.
Approval & Closing
We negotiate terms, handle conditions, and coordinate closing so you can focus on running your business.
50+ Lenders.
One Application.
Michael North has direct access to Canada's top banks, credit unions, trust companies, and alternative lenders. Your single application reaches them all.
Equitable Bank
Business for Self Programs
Home Trust
Alt-A Self-Employed
CMLS Financial
Stated Income Options
Bridgewater Bank
Bank Statement Programs
MCAP
Flexible Documentation
First National
Self-Employed Solutions
Merix Financial
Entrepreneur Programs
RMG Mortgages
Business Owner Specialists
Marathon Mortgage
Alternative Income
Haventree Bank
Non-Traditional Income
Community Trust
Self-Employed Focused
Radius Financial
Stated Income
Plus 40+ additional lenders including Desjardins, Manulife, Industrial Alliance, and more
Frequently Asked Questions About Self-Employed Mortgage
Self-Employed Mortgage Services Across Ontario
Michael North provides self-employed mortgage services to clients throughout Ontario, including these major cities and surrounding areas:
Ready to Get Started?
Contact Michael North today for a free, no-obligation consultation. Get expert guidance and access to the best self-employed mortgage rates in Ontario.
Michael North, Mortgage Agent Level 1 (License #M23007520) | Owl Mortgage (Brokerage #13364, Powered by Centum Financial) | Regulated by FSRA