Self-Employed Mortgage Solutions

Mortgages Made Easy for the Self-Employed

Self-Employed Mortgage Solutions in Canada

Being your own boss shouldn’t make it harder to own your dream home. At Nirvana Mortgages, we specialize in mortgage solutions for self-employed Canadians, even if your income is non-traditional, seasonal, or varies from year to year. We help entrepreneurs, contractors, and freelancers get approved for competitive mortgage rates even when traditional lenders say no.

Challenges Self-Employed Canadians Face

Mortgage refinancing involves replacing your existing mortgage with a new one, often with better terms, a lower interest rate, or increased flexibility.

Challenges Self-Employed Canadians Face

Traditional banks often require:

But we understand that business income and tax strategies can paint a different picture. That’s why we offer flexible qualification options that look beyond your line 150.

Who We Help

Our self-employed mortgage clients include:

Small business owners & sole proprietors
Freelancers, consultants, and gig workers
Realtors, creatives, and tradespeople
Commission-based employees
Incorporation holders and contractors
New businesses with 6+ months of revenue

Why Refinance with Us?

Features of Our Self-Employed Mortgage Programs

Stated income or gross income qualification options
Use of business bank statements or invoices as proof of income
Flexibility on declared net income (especially with deductions)
Access to both A-lenders and alternative/private lenders
Low down payment options (as little as 10–20%)
Options for purchases, refinancing, or equity take-out
Fixed, variable, or hybrid mortgage structures

Documents You May Need

Depending on the lender, you may be asked for:

6–12 months of business or personal bank statements
2 years of Notice of Assessment (NOA)
Business license or articles of incorporation
CRA statement of account
T1 General and proof of HST/GST registration
Signed client contracts or invoices

We’ll help package and present your financials to make a strong case to lenders — even if your paperwork is complex.

Self-Employed Mortgage Calculator

When Traditional Lenders Say No — We Say “Let’s Get Creative”

We know how to work with:

We’ll structure your application to highlight your strengths — not penalize you for being an entrepreneur.

Refinance or Tap Into Equity

Already own a home? You may be able to:

Use our tool to:

Self-Employed Mortgage Calculator

GET IN TOUCH

Book Your Free Consultation Today

Talk to Our Expert

Mr. Vishnu Nirvana

Strategic Mortgage Financing Advisor

Vishnu Nirvana is a seasoned Mortgage Financing Specialist committed to delivering tailored financial solutions for buyers and investors across Canada. With a sharp understanding of market trends and lending landscapes, Vishnu transforms complex financing challenges into seamless, advantageous outcomes.

We’ve helped hundreds of self-employed Canadians:

FAQs

Common Questions About Refinancing & Debt Consolidation

Can I get a mortgage with less than 2 years of self-employment?

Yes — we have lenders that consider 6–12 months of income with strong bank statements or contracts.

What if I declare low income for tax purposes?

We can qualify you based on gross income or stated income, depending on your situation.

Can I still get a low interest rate?

Absolutely — especially if your credit score is strong and you have a solid down payment.

Can I use my incorporation to buy a property?

Yes — we work with lenders who approve mortgages under corporate structures.

Self-Employed Mortgage Solutions