If you are self-employed, you may have experienced some difficulties in obtaining a mortgage. There are many complications for self-employed individuals when applying and qualifying for a mortgage with a standard chartered bank or a prime lender.

Difficulty in qualifying could be due to factors such as low self-declared income, lack of proof of business, inability to prove income in the orthodox fashion, and large business write-offs. All of these factors have an effect on lenders’ willingness to approve a self-employed individual. Fortunately, there are self-employed programs through both institutional/bank lenders along with alternative B-lenders.

Program Examples

The following are an example of a few self-employed programs that might suit you:

What People Have To Say

Check out what people are saying about Equitis Mortgage Group

  • Melissa Abunnadi
    Purchasing our home was made easier with the help of Okhtay! This was our first home purchase and he was incredibly professional and thorough with every aspect of his work. He explained the steps of the process, he was always quick to respond, and I felt confident he was putting 110% into us as clients. He is excellent to work with and I highly recommend him as your mortgage broker for your next real estate purchase!
    Melissa Abunnadi
  • Julien Manac'h
    Being a first time home buyer meant I was completely new to the whole mortgage process. Okhtay guided me through each step seamlessly, explaining my various options along the way, getting me the best rate, and making sure I felt informed and comfortable throughout each decision.

    Not only that; anytime I had any questions, he was a phone call away. I could not recommend Okhtay more. In fact, when my sister needed a mortgage, I made sure he was the one to do it!

    Thanks for all your help! You made a stressed, first time home buyer feel at ease. The hardest part of the whole process was walking through the front door!
    Julien Manac'h
  • Romain Penet
    I chose to deal with Okhtay when purchasing my first home after meeting with a few different mortgage brokerages. He was very easy to deal with and did a great job leading me through the process. I didn’t know anything about mortgages, but his professionalism and knowledge made me feel very confident with my investment. I am very happy with the service he provided and have since recommended them to all of my friends and extended family.
    Romain Penet
  • Daniel Margarit
    My experience working with Okhtay was great. I was a first-time home buyer and he was unbelievably helpful. Okhtay made the mortgage process feel so much less-stressful and he took care of so many details and factors that I wasn’t even aware of. His expertise and experience in mortgages helped me learn so much, but also he helped me secure the best options and products for my purchase. I would highly recommend Okhtay as Vancouver’s top mortgage specialist.
    Daniel Margarit
  • Nitesh Verma
    Working with Okhtay was a stress free experience. He was great at educating me with the process and making it as seamless as possible. Being able to find me better then standard interest rates was a great bonus to the already amazing service I received.
    Nitesh Verma

Latest News & Articles

Check out our selection of mortgage related news and articles.

July 27, 2021

Variable Rate vs. Fixed Rate: What Rate Option Should I Choose?

July 29, 2021 Hassan Amhaz – BDM & Mortgage Professional It is the age-old question: should I choose a fixed or variable rate mortgage? Well, there […]
July 27, 2021

Bank of Canada Tapers Bond-Buying Again

July 14, 2021 Dr. Sherry Cooper – Chief Economist at Dominion Lending Centres Bank of Canada ‘On the Vanguard’ of Unwinding Stimulus The Bank of Canada […]
April 28, 2021

Trudeau Opens the Spigots for Social Spending, Income Support, and a Green Economy

Canadian real estate prices have been distorted by a massive overextension of credit. Just how bad has it become? The view is always tricky from inside the bubble, so let’s compare them to our neighbors down south.

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