search tips advanced search
site search by freefind

No Income Verification Mortgages For the Self Employed



905.537.8815


what is a no proof of income mortgage ?

NO Income verification mortgages or no proof of income loans on CRA tax returns are exceptional for small business owners. You can buy or refinance real estate even if you can't show enough income on your tax returns or have poor credit. It's also a good rental property mortgage for the self employed and everyone who does not qualify for traditional bank financing. 


This self employed market sector is serviced by alternative mortgage lenders, not the banks. The NO INCOME verification mortgages lenders DO NOT ask for traditional proof of income such as your tax returns to determine income. They may, however, ask for your CRA Notice of Assessment to ensure that you don't owe personal taxes.

To prove you earn enough to qualify, they rely on your business bank statements showing sufficient deposits and invoices. You'll need your Business Registration or Articles of Incorporation.

With mortgage loan no proof of income, the quality of your credit will determine your interest rate and how much money the lender will give you.

The equity lenders for business owner no income verification mortgages focus on the quality of the property, location and property marketability.


Here is what one of our mortgage loan no proof of income clients had to say:

-- Marie is a "Pro" when it comes to helping the self employed with a no proof of income mortgages, she is the best Mortgage Broker you can use !!! I use her for all my own, my family's and clients' mortgage needs. DB --


No income verification mortgages lenders don't lend in some areas

Some areas are viewed as not very marketable. These include some downtown areas where homes and commercial buildings have shown signs of deterioration or small towns with less than 100,000 population.

In most rural areas and in areas without municipal services where properties rely on septic systems and well water, no income mortgage equity lenders may give you a maximum of 65% of property value.

Here are few features for no proof of income mortgage financing for owner occupied and rental properties:

  • Purchase – a minimum 20% down payment plus closing costs required;
  • Refinance – you may get a maximum 80% of appraised value o.a.c.;
  • NO Tax Returns proof of income;
  • Even a recent proof of self employment may be acceptable;

Many of our clients prefer the easier process of no income mortgage loans and don’t mind paying a bit higher interest rate for this privilege.


-- I use her for all my own, my family's and clients' mortgage needs. I am a self-employed family lawyer and my family members are also self-employed and as such, we have our unique financing road blocks that the banks just don't understand. We all need different no proof of income mortgages. DB --


Private money lenders are a good supply of funds for small business owners when everyone else said NO. It is suitable for a multitude of strategies where the self employed individuals can't prove income on their tax returns or need time for improving credit score. 


How can you afford all this "no income" mortgage help?

We charge a fee when lenders don't pay our fee, including alternative lender and private mortgages, mixed use and commercial mortgages or when credit is bad - in those instances we require payment on closing. In the case of mortgage refinance, our fees come out from the mortgage proceeds on closing.

NO worries about providing lenders with incorrect information.

Almost everyone qualifies with some lender provided you have sufficient down payment, equity in the property you are financing and can make mortgage payments.

We have lenders offering self employed mortgage solutions for both owner occupied and rental properties.

Marie Copeland FSU, Hamilton Mortgage Loans


Top Stories


This self employed mortgage is suitable for owner occupied home, investment property mortgage such as residential rental properties.

Go to self employed loans no proof of income for a glance of these custom fit alternative mortgage financing products.

Self employed loans no proof of income -- there are changes in mortgage rules, get updated.

Business owner mortgage if you have good credit and declare income on tax returns but need some minor adjustments to qualify.

Private mortgages are a powerful sources of money and fill a huge void in the market place. This type of alternative mortgage financing is often used as a short term solution for the self employed as a first or second mortgage lending.


One-stop mortgage shopping - Could there possibly be a better way for you to get the right mortgage? You’ll never be left on your own. There is nothing for you to do, we do all the work you just get us the documents needed.


Call 905.537.8815 for no income verification mortgages

Banks and "A" Lenders pay us for your service. EXCEPT bad credit mortgages, some self employed mortgages, private mortgages or multi-use and commercial loans - broker fees are payable by clients. 

*Lenders change their products and interest rates without notice.


Share with your self employed friends

Thank you for visiting no income verification mortgages for the self employed - please come back and visit often for information updates. Help me share this information with your Family and Friends using the comments box and social media buttons below.


› from No Income Verification Mortgages