Specialty lending
Self-employed mortgages mortgages with Team Active Mortgage
Write-offs that keep your taxes low can make your income look smaller on paper. Our brokers know how different lenders assess self-employed income and help you present your file in the way that best reflects what you actually earn.
Who this is for
- Incorporated business owners and sole proprietors
- Contractors, trades and gig workers
- Commission-based and seasonal earners
How our brokers help
- Review your tax returns, notices of assessment and business statements
- Match you with lenders that suit how your income is structured
- Explain stated-income and alternative options when traditional lending doesn't fit
Common questions
How long do I need to be self-employed?
Many lenders prefer a two-year history, but some options exist for shorter histories depending on your industry and experience.
What documents will I need?
Typically recent tax returns and notices of assessment, plus business financials if incorporated. Your broker will give you a specific checklist.
Will I pay a higher rate?
Not necessarily. Many self-employed borrowers qualify with mainstream lenders; alternative lenders are an option when they don't.
Ready to talk it through?
Book a no-obligation call or start a short pre-application.