Banks love a tidy T4 and a salaried paycheque. Real entrepreneurs rarely fit that box — and a clever accountant who minimizes your taxable income shouldn’t cost you your dream home. We specialize in getting self-employed GTA borrowers approved on the strength of their actual cash flow
If you’re a sole proprietor, incorporated business owner, freelancer, contractor, or commission earner, you already know the catch: the deductions that keep your tax bill low also shrink the income a bank is willing to count. The result is a frustrating paradox — your business is thriving, but your Notice of Assessment makes you look like you can barely qualify.
We solve that paradox by knowing which lenders understand self-employment, and how to present your income so it’s recognized for what it really is.
Two years of T1 Generals and Notices of Assessment (where available)
Business financial statements or six to twelve months of business bank statements
Articles of incorporation or business licence / GST-HST registration
A description of what your business does and how long you’ve run it
If your reported income supports it, we’ll place you with a major bank or monoline at the most competitive rates — often using a two-year average of your business income.
For strong businesses that show modest taxable income, we use lenders who assess your real cash flow through bank statements, contracts, and financials rather than a single line on your tax return
New to self-employment, in a turnaround year, or rebuilding credit? We have lenders who look at the whole picture and offer a clear path back to A-lending.
Often, yes. We use lenders and programs designed for exactly this — assessing your business’s real cash flow rather than only your taxable income.
Two years of self-employment is ideal for the best rates, but we have options for those with less history, especially if you previously worked in the same field.
Not necessarily. If your documented income qualifies you with an A-lender, you get the same competitive rates. Where alternative lending is needed, we map a plan to move you to prime pricing at renewal.
