Mortgages Built
For Business Owners
Incorporated, sole proprietor, contractor, or freelancer — we have lenders and programs designed specifically for self-employed income. Stop being penalized for running your own business.
2 yr
Typical NOA history needed
Stated
Income programs available
30+
Lenders with SE programs
$0
Broker cost to you
Self-Employed Mortgages
Self-employed? You still qualify — and often for more than you think
Banks often look at net taxable income — the number you've minimized through legitimate deductions. We work with lenders that recognize gross revenue, add back depreciation and retained earnings, and use alternative income verification. Your business success shouldn't work against you.
2-Year NOA Program
Standard qualification using your CRA Notices of Assessment with professional income add-backs applied.
Bank Statement Income
Some lenders accept 12–24 months of business bank statements instead of tax returns — ideal if you reinvest profits.
Gross Revenue Qualification
Alternative lenders can use gross business revenue with a reasonable expense ratio — no NOA required.
Incorporated Business Owners
We add back salary + dividends + retained earnings to build the strongest income picture possible.
Competitive A-Lender Access
With the right documentation strategy, many self-employed clients qualify at prime rates — not the premium B-lender rates they've been quoted elsewhere.
Year 1 Self-Employed
Recently went on your own? We have programs for borrowers with less than 2 years of self-employment history.
How self-employed mortgage qualification works
Simple, transparent, and built around you.
Income assessment
We review your NOAs, T1 Generals, financial statements, and corporate structure to find the strongest income picture.
30–60 minLender matching
We match you with the lender whose underwriting methodology suits your specific income type and structure.
24 hoursDocument submission
We prepare your file for underwriting — including add-back calculations and business confirmation letters.
2–5 daysApproval & close
Approval in hand. Funds released on closing day with your lawyer. Your business stays separate from your home.
3–6 weeks“Three banks declined me because my taxable income was low. Greenhouse looked at my gross revenue and corporate retained earnings — I was approved at a competitive rate in 4 days.”
Derek P.
Oakville, ON
Common questions
Your business built something valuable — let's unlock it
We specialize in self-employed mortgage qualification. Free consultation with a mortgage specialist who understands how business income works.