{"id":2741,"date":"2022-10-05T14:03:01","date_gmt":"2022-10-05T18:03:01","guid":{"rendered":"https:\/\/invincible-neuron.flywheelsites.com\/?page_id=2741"},"modified":"2026-04-06T22:08:16","modified_gmt":"2026-04-07T02:08:16","slug":"self-employed","status":"publish","type":"page","link":"https:\/\/skipthebank.ca\/mortgages\/self-employed\/","title":{"rendered":"Self-Employed"},"content":{"rendered":"<section class=\"service-hero self-hero\">\n<div class=\"herobg\">\n        <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/Group-27.png\" alt=\"pink dots grid\" class=\"pinkdots\" \/>\n    <\/div>\n<div class=\"website-grid\">\n<div class=\"title-box\">\n<h1><span class=\"orange-txt\">Self-Employed<\/span> Mortgages<\/h1>\n<p>If you are self-employed and looking to buy a home, we can help. We understand how hard you work to turn your business into a success. We believe you deserve to rest in the home of your dreams before facing another day. Our program aims to help entrepreneurs and business owners achieve their goal of homeownership.<\/p>\n<p>            <a href=\"#\"><button class=\"btn-orange\">Contact Us<\/button><\/a>\n        <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-context self-context\">\n<div class=\"website-grid centerTheIcons\">\n<div class=\"iconsContainer\">\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-money-check-dollar-pen\"><\/i><\/p>\n<p>Show Your Real Income<\/p>\n<\/p><\/div>\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-key\"><\/i><\/p>\n<p>Get Approved!<\/p>\n<\/p><\/div>\n<\/div>\n<div class=\"context-box\">\n<p class=\"pretitle\">Self-Employment<\/p>\n<h2>What is the Self-Employed Mortgage?<\/h2>\n<p>A self-employed mortgage is a home loan for self-employed individuals, freelancers, entrepreneurs, and business owners with non-traditional income. Unlike traditional mortgages, it focuses on your business income, self-employment income, and financial stability rather than standard employment history.\n<\/p>\n<p>Whether you work from home, rent a storefront, or have multiple income streams, this mortgage offers flexible options. Lenders review your business income, tax returns, and financial records. If you\u2019re self-employed and want to buy a home or refinance, this program helps you secure the right loan.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-help self-help\">\n<div class=\"website-grid reverseFlexRow\">\n<div class=\"col-12 help-box\">\n<p class=\"pretitle\">Getting Approved<\/p>\n<h2>We Can Help You!<\/h2>\n<p>At Skip The Bank, we assess your gross business income, personal finances, and business expenses to determine your mortgage eligibility. Lenders focus on your debt-to-income ratio, which measures your ability to repay a mortgage loan. The higher your income, the more you can qualify for.<\/p>\n<p>Factors like your credit history, credit score, bank statements, and tax returns can impact mortgage approval. Whether you\u2019re self-employed, own multiple properties, or have complex finances, our expert mortgage brokers specialize in helping clients with non-traditional income. We\u2019ll create a customized financial plan to help you secure the best mortgage options.<\/p>\n<\/p><\/div>\n<div class=\"col-12 helpform-box\">\n<h3>Get a Free Consultation<\/h3>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">02<\/p>\n<h2>Are there different types of self-employed mortgages?<\/h2>\n<p class=\"faqCardMain\">Yes, however, it depends if you are a sole proprietor or run a corporation.<\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq19.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">03<\/p>\n<h2>What are the down payment requirements for self-employed mortgages?<\/h2>\n<p class=\"faqCardMain\">\n          Down payment typically starts at 10%. We offer special programs for self-employed individuals (2+ years) that consider industry income, not just tax returns, which often underestimate true earnings.\n        <\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq11and20.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-advantages self-advantages\">\n<div class=\"website-grid\">\n<h2>Advantages of Self-Employed Mortgage<\/h2>\n<div class=\"advantages-container\">\n<div class=\"advantages-col\">\n<h3>Access to Homeownership<\/h3>\n<hr>\n<\/hr>\n<p>We look to give self-employed individuals a chance to become homeowners, even if conventional lenders have rejected them.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Flexible Options<\/h3>\n<hr>\n<\/hr>\n<p>We understand your individual demands and financial position. Our Self-Employed Mortgage program provides many different options.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Competitive Rates<\/h3>\n<hr>\n<\/hr>\n<p>We work with you to develop a personalized plan that not only provides a competitive loan option but also caters to your unique needs and helps you achieve your financial goals.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Customized Solutions<\/h3>\n<hr>\n<\/hr>\n<p>Our focus is on working alongside you to develop a personalized plan that fulfills your unique requirements and encourages you to achieve your financial objectives.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-reasons self-reasons\">\n<div class=\"website-grid\">\n<div class=\"col-12 reasons-box\">\n<h2>Reasons to Choose Skip the Bank&#8217;s Self Employed Mortgage<\/h2>\n<ol>\n<li>Competitive Rates: You can save money by taking advantage of our competitive interest rates.<\/li>\n<li>Dedicated Support: From application to funding, our team of professionals is available to help you every step of the way.<\/li>\n<li>No Hidden Fees: We are transparent about our fees and we don\u2019t charge any hidden fees or prepayment penalties.<\/li>\n<\/ol>\n<p>At Skip the Bank, we are committed to helping business owners achieve homeownership. Our flexible options, competitive rates, and dedicated support make it easy for you to achieve your dream of owning a home. Apply now and start building your future with our Self-Employed Mortgage program!<\/p>\n<\/p><\/div>\n<div class=\"col-12 selfimage-box\">\n            <img decoding=\"async\" src=\"http:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/09\/thumbnail.jpg\"\n                alt=\"kids looking a skip the bank promotion\" class=\"full-img\" \/>\n        <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-success self-success\">\n<div class=\"website-grid\">\n<p class=\"pretitle\">Self-Employed<\/p>\n<h2>Real Mortgage Success Stories<\/h2>\n<div class=\"flex-row story1\">\n<div class=\"success-img jill-img col-12\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/Depositphotos_16040295_S__1_-removebg-1-e1665963870787.png\"\n                    alt=\"headshot photo of Jill\" \/>\n            <\/div>\n<div class=\"success-box col-12\">\n<p>Jill is a registered therapist and her business has grown in the last three years. She started as a sole proprietor and recently her accountant recommended that she open a corporation to allow her to limit her personal tax exposure. When she went to her bank to see if she could get pre-approved for a mortgage, her bank wanted at least two years of corporate tax returns.<\/p>\n<p>Despite her excellent savings and credit they rejected her because of how her taxes had been completed. She was beyond frustrated! That\u2019s when she came to The Mortgage Centre&#8217;s Skip the Bank. We were able to work with a lender and access the equity in her home to do some upgrades.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"flex-row story2\">\n<div class=\"success-img rashid-img col-12\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/Depositphotos_350933130_S__1_-removebg-1-e1665964504448.png\"\n                    alt=\"headshot photo of Rashid\" \/>\n            <\/div>\n<div class=\"success-box col-12\">\n<p>Rashid works for a tech company in the US and invoices the company for tax purposes. He would normally invoice $6000 per month and collect this amount for at least 18 months. He wanted to purchase another property but his bank has turned him down for the next mortgage. The main reason is that on Rashid\u2019s personal tax returns, the accountant helps him with tax planning and shows little net income.<\/p>\n<p>Although Rashid has a great credit history, savings and his partner currently works, his frustration on building a real estate investment portfolio looked like it wasn\u2019t going to be a reality. That\u2019s when a friend recommended that he speak to The Mortgage Centre\u2019s Skip the Bank. Rashid now owns three rental properties! The tenants that he has pay rent on time, and the student tenants know that he\u2019s a good landlord.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-resources self-resources\">\n<div class=\"website-grid\">\n<h2>Self-Employed Mortgage Resources<\/h2>\n<div class=\"blog-entries\"><a href=\"https:\/\/skipthebank.ca\/reasons-why-working-with-the-right-mortgage-broker-is-important-the-mortgage-center\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/11\/resizedstbstb-6.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>June 15, 2022<\/p><p class=\"title\">Reasons Why Working with the Right Mortgage Broker is Important<\/p><p class=\"excerpt\">Who\u2019s taking care of your biggest asset\u2019s value \u2013 your home?\u00a0 With grumblings in the Toronto and...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/if-youre-self-employed-you-can-still-get-a-great-mortgage\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2021\/10\/100321-Blog.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>October 3, 2021<\/p><p class=\"title\">If You\u2019re Self-Employed You Can Still Get a Great Mortgage!<\/p><p class=\"excerpt\">A mortgage has the most direct impact on your lifestyle. When you know how mortgages are evaluated,...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/canada-revenue-agency-and-self-employed\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/07\/Untitled-design-7.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>October 2, 2018<\/p><p class=\"title\">Canada Revenue Agency and Self-Employed<\/p><p class=\"excerpt\">Canada Revenue Agency and being Self-Employed. If a self-employed person owns a house and has equity in...<\/p><\/div><\/a><\/div>\n<p>        <a href=\"\/blog\/\"><button class=\"btn-orange\">See All Posts<\/button><\/a><\/p><\/div>\n<\/section>\n<section class=\"ready-to-talk service-cta\">\n<div class=\"website-grid-small\">\n<p class=\"f48\">Ready to Talk?<\/p>\n<p class=\"f40\">We\u2019ll help you get the mortgage<br \/> that\u2019s perfect <b>for you.<\/b><\/p>\n<p>        <img decoding=\"async\" class=\"rtt-logo\" src=\"\/wp-content\/uploads\/2022\/10\/favicon_260x260-200x200-2-1.png\" alt=\"\"><br \/>\n        <img decoding=\"async\" class=\"rtt-family\" src=\"\/wp-content\/uploads\/2022\/10\/nathan-dumlao-Wr3comVZJxU-unsplash-1.png\" alt=\"\"><\/p><\/div>\n<div class=\"website-grid-small flex\"><a href=\"http:\/\/skipthebank.ca\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><button class=\"btn-black\">Book Consultation<\/button><\/a><\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Self-Employed Mortgages If you are self-employed and looking to buy a home, we can help. We understand&#8230;<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":2718,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"0","_seopress_titles_title":"Get Approved for Self-Employed Mortgages | Skip the Bank","_seopress_titles_desc":"Self-Employed Mortgages are a loan program designed specifically for self-employed people or those who own a small business. Apply online today!","_seopress_robots_index":"","footnotes":""},"class_list":["post-2741","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/comments?post=2741"}],"version-history":[{"count":1,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2741\/revisions"}],"predecessor-version":[{"id":15703,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2741\/revisions\/15703"}],"up":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2718"}],"wp:attachment":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/media?parent=2741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}