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As a business owner, your tax returns don’t always tell the whole story. At Mortivo, we specialize in the self-employed mortgage Canada market, looking beyond traditional line-items to see the true strength of your business. We help entrepreneurs secure the financing they deserve with flexible programs designed for the self-employed.
A self-employed mortgage in Canada allows you to "state" a reasonable income based on your business's gross revenue rather than just your net taxable income.
If you’ve been in business for at least two years, we can use 6-12 months of bank statements to prove your cash flow and secure your mortgage.
Being self-employed doesn't mean you have to pay higher rates. We give you access to the same prime lenders and competitive terms as salaried employees.
We understand that write-offs are good for taxes but tough for bank loans. We work with lenders who understand the nuances of a self-employed mortgage Canada.
We dive into your business structure—whether you're a sole proprietor or incorporated—to find the best self-employed mortgage Canada path.
We package your application to highlight your business growth and financial stability, making you an attractive candidate for lenders.
We leverage our network of "B-lenders" and private options that specialize in mortgages for self-employed individuals.
We ensure a smooth closing and stay in touch to help you manage your mortgage as your business scales.
It requires more documentation, but with the right broker, a self-employed mortgage Canada is very accessible for stable business owners.
Generally, we’ll need two years of NOAs (Notice of Assessments), business licenses, and bank statements.
Yes, though options are more limited. We have access to specialized lenders who look at your previous industry experience.
Schedule a one-on-one consultation with a Mortivo Mortgage expert. Get personalized advice, explore your options, and start your mortgage journey with confidence—online, over the phone, or in person.
“Motivo” is a word of Italian and Spanish origin, meaning reason, cause, or motive
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