5 Year Mortgage Rates
Term TypeRatePromo & Info
5 YearFixed (standard)2.49%
5 YearFixed (promo)2.29%-*call for restrictions
-High Ratio Only
-Meet property guidelines
5 YearFixed (promo)2.49% & -Condo Doc Review, Reimbursement $500 *call
5 YearVariable (promo)2.10%
* Subject to change without notice *OAC *Some Underwriting Restrictions Apply
Our Mortgage Rates
2 YearFixed2.19%
3 YearFixed2.29%
4 YearFixed2.39%**High Ratio Only
5 YearFixed2.29%**restricted, call for details
6 YearFixed2.99%
7 YearFixed2.99%
10 YearFixed3.54%

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Have you been turned down by a bank because you’re self employed?

DON’T Panic, there are more options for you! Being self employed does not make you ineligible for a mortgage. There are a number of products available for business owners, who find themselves in a sole proprietorship, partnership, or in an incorporated work place environment.

After reviewing your situation as a self employed business owner you may be offered one of a number of solutions depending on your situation:

  • 5% down payment with various documentation proving your income
  • 15% down payment purchase with less little income documentation
  • 25% down payment with little or no income documentation needed

How is it possible to obtain a mortgage with little or no income documentation?

Self declared or stated income mortgages allow business owners to use income that is consistent with industry information for that sector. Stated income based on industry standards is often a better indication of earning power than what the company financials show on the bottom line.

.What documentation should you have available if you are self employed?

  • 2 years notice of assessments
  • 2 years T1 Generals and Statement of Business Activities
  • Registration documents for trade name, corporation, or partnership
  • 2 years company financials
  • GST return
  • Invoice from a couple of your clients

WHAT!!! You just said little or no documentation?

Our goal will be to get you the best rate and save you the most money possible. In order to see what the best solution is for you, it is best to review as much documentation as possible.

HOWEVER, if you do not have this documentation, it is not always necessary; it just means that your self employed mortgage product selection will be limited to those that do not require certain types of documentation.

Can you purchase a rental property/revenue property if you are self employed?

Absolutely you can. New mortgage products are starting to appear every day that cater to the self employed. It is possible to purchase a revenue property quite easily with a down payment as low as 15%.