SELF EMPLOYED

Being self-employed brings its own set of challenges when it comes to securing a mortgage, but I’m here to navigate these complexities with you across Ontario, from the bustling streets of the Greater Toronto Area to the scenic regions of Niagara, Kingston, Belleville, and Ottawa. I understand that your income might not fit the traditional mold, which is why I specialize in interpreting your financial situation in a way that resonates with lenders, ensuring your unique earnings are presented in the best possible light.

Why Choose GR Mortgages for Your Self-Employed Mortgage?

Understanding Your Needs– As a self-employed individual, your financial situation differs from traditional employees. I understand these unique challenges and provide customized solutions tailored to your specific circumstances.

Flexible Documentation Options– Traditional mortgage applications can be cumbersome. I offer flexible documentation, considering alternative income verification methods like bank statements, business financials, and Notices of Assessment to support your application.

Access to Specialized Lenders– I work with a variety of lenders who specialize in self-employed mortgages, ensuring you gain access to competitive rates and terms not typically available through conventional lending channels.

Benefits of a Self-Employed Mortgage

Tailored Solutions– I design mortgage solutions to meet the diverse needs of self-employed individuals, offering flexible repayment options and loan structures that match your financial goals.

Competitive Rates– Even with the challenges of proving income stability, you can still secure competitive mortgage rates. I strive to find the best rates to help you save money over the life of your mortgage.

Streamlined Process– The mortgage process can be complex for self-employed borrowers, but I simplify it. From our initial consultation to final approval, every step is managed efficiently for a smooth experience.

Self-Employed Mortgage Process with Me

1. Initial Consultation: We’ll discuss your financial situation, business income, and mortgage goals to tailor the best approach.
2. Documentation Gathering: Collect necessary documents such as bank statements, business financials, and tax returns.
3. Application Submission: Complete the mortgage application with the documentation we’ve gathered.
4. Lender Review: Your application goes to specialized lenders who understand self-employed income dynamics.
5. Approval and Closing: Upon approval, we’ll finalize the mortgage details and complete the closing process.

Tips for Self-Employed Mortgage Success

1. Organize Your Financials: Keep your financial records well-documented and organized, including tax returns and business statements.
2. Improve Your Credit Score: Ensure your credit is in good shape by paying bills on time and managing your debt.
3. Save for a Down Payment: A larger down payment can enhance your mortgage approval chances and possibly secure better rates.
4. Consult with Experts: Reach out to me, a mortgage professional specializing in self-employed mortgages, for effective navigation through the process.

Contact Me Today

Ready to explore your mortgage options as a self-employed individual? Contact me today to schedule a consultation. I’m here to help you secure the mortgage that fits your unique financial situation and goals.

Why Choose Us

Speed

We constantly innovate to speed up our processes, aiming to complete transactions in 21 days or fewer.

Low Rates and Costs

We secure low rates and costs for you by comparing offers from top mortgage lenders across Canada.

No Upfront Fees

Our income is tied to your successful transaction. We typically earn through lender commissions. For non-prime loans, where commissions aren’t offered, we charge a fee to cover our services.