Oakville Self-Employed Mortgage Specialists
Turn business income into borrowing power without CRA headaches
Book Now, Avoid Higher RatesNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
Because great businesses deserve great mortgages
Running a consulting firm from Lakeshore Road or coding at an Oakville co-working space is rewarding, until the bank asks for two years of perfect T1 Generals. Our team translates your real earning power into lender-friendly language so you can buy that Glen Abbey bungalow or refinance for expansion capital without sacrificing tax deductions.
Instead of one-size-fits-all rules, we use stated-income programs, bank-statement averaging, and add-backs for vehicle, cellphone, and depreciation expenses. Lenders in our network assess current cash flow, not just net income after write-offs, giving you borrowing room banks often miss.
Concerned about fluctuating revenue? We structure shorter fixed terms with flexible prepayment options so you can pay down faster after a big project. Need a larger down payment? We help document retained earnings or a spousal salary split to improve ratios.
From CRA Notice of Assessment timing to securing an appraisal that values unique live-work lofts, we manage every detail. And because many Oakville entrepreneurs pivot quickly, we keep renewal and refinance doors wide open, no punitive payout penalties that trap your future plans.
Inquire Today, Preserve Cash FlowFAQs for Self-Employed Mortgages in Oakville, Ontario
What income proof do we need if our T1 shows low net income?
We use 6–12 months of business bank statements plus an accountant’s letter to show true cash flow. Lenders add back write-offs such as vehicle or home-office, boosting qualifying income without amending taxes.
How much down payment is expected for self-employed borrowers?
With solid credit we can go as low as 10 percent through stated-income programs; otherwise aim for 20 percent to access alternative lenders. We guide you on documenting dividends or retained earnings as part of the equity.
Does incorporation change the mortgage process?
It can. We collect two years of corporate financials and a salary or dividend history to show consistency. If retained profits are strong, lenders may count them toward your qualifying income.
Can we refinance to access capital for business growth?
Yes, we tap up to 80 percent of your Oakville home’s value to fund equipment or hire staff. Because interest is often tax-deductible for business use, we outline the record-keeping CRA expects.
Will credit card balances hurt our approval chances?
Lenders watch overall debt ratios, so we may consolidate cards into the mortgage to free up cash flow. A lower utilization also lifts your credit score before renewal time.
Please note: it’s always best to get in touch with us so we can answer your specific questions and provide 100 percent accurate information for your situation.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!