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Mortgages for self-employed

Brevity Mortgages understands that both self-employed people and business owners face unique situations when it comes to getting mortgage loans. Due to tax write-offs, incomes can appear lower than they really are. This can cause problems during loan approval and application. This is where we come in and help you get a self-employed mortgage in Canada.

  • A mortgage for self-employed
  • Home renovation loans
  • Finance for other personal expenses
  • Consolidate your debt
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  • Bankruptcy

    While some people may see bankruptcy as an option to get out of a bad deal and rebuild, lenders are generally not fond of bankruptcy. However, lenders may overlook bankruptcy if the credit history is good and consistent before filing for bankruptcy which in turn will help you secure a self-employed mortgage in Canada.

  • You can offer a higher down payment

    When a down payment of less than 20% is made on a property purchase, lenders are often held responsible by the insurer. However, when applying for a self-employed mortgage in Canada, if you offer a 20%or more than 20%down payment, the lender's flexibility increases. The lender or branch can decide if they wish to accept you as a client.

  • Explore the option of private financing

    You could get a private mortgage for as little as 12 months. This will allow you to build your credit and finish a two-year self-employed period. Private financing is meant to be used as a short-term solution for a longer-term plan when applying for a self-employed mortgage in Canada.

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Steps & Process

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Why you should choose Brevity mortgages


  • We provide the most reliable mortgage solutions for your dream house
  • We provide curated solutions specific to your mortgage needs based on your qualification
  • Rapid mortgage approvals and fast closings
  • You can save time and Money
  • Best lender discounts and promotional offers for best interest rates
  • Access to experienced and professional Mortgage Agents
  • Brokers in the industry
  • Credit Score privacy

Brokers or and Agents

  • Dedicated team to help you with your clients
  • Veterans who share their industry experience and help you with each step
  • One on One Support and Training
  • Mentors that specialize in residential, commercial and business mortgages
  • Campaigns proven to work for potential leads
  • Online presence with digital marketing techniques
  • VIP access to top-tier compensation and lenders
  • A dedicated professional office space for client meetings and brainstorming sessions


Frequently Asked Questions

One among the following should affirm at-least two (2) years of business-for- self tenure:

  • Business License
  • GST/HST Return Summary
  • T1 Generals with statement of business activities attached for a minimum 2 years prepared by an arm’s length third-party
  • Audited Financial Statements for the last 2 years, prepared and signed by a CA
  • Plus a recent Notice of Assessment or a signed affidavit by the borrower(s) to confirm no income tax arrears (Note: in the province of Quebec, both federal and provincial NOA’s will be required)

Partnerships are businesses owned by two or more individuals who share the profits or losses of the business operation. The partnership income is reported to Revenue Canada on the standard tax report (T1 General) together with Revenue Canada’s required statement of business or professional activities, which reflects the percentage of the NET income or loss for each partner of the enterprise.

What's you expect

We Offer To You

Home Buyer
Refinancing Your
Low Income
Credit Mortgage
Renew Your
Home Equity Line
of Credit
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