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Self-Employed Mortgage Solutions Made Simple

Are you self-employed and finding it tough to secure a mortgage in Ontario? You’re not alone. Many entrepreneurs, freelancers, consultants, and small business owners in Toronto, Mississauga, Hamilton, and Etobicoke face challenges when applying for a home mortgage for the self-employed.

At BlueWater Mortgage, we understand your journey — and we’re here to make homeownership easier. Our approach is friendly, flexible, and personalized, designed specifically for self-employed Canadians who deserve a mortgage solution that works.

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Why Self-Employed Canadians Face Mortgage Challenges

Being self-employed often means your income doesn’t fit the neat boxes that banks like to see. You might have irregular income, write off expenses to optimize taxes, or lack the typical T4 slips and pay stubs. Unfortunately, many big lenders focus only on what’s on paper:

Fluctuating Income

Your earnings may vary month to month or seasonally, making it harder to prove consistent income.

Tax Write-Offs

You work hard to maximize your business deductions, but this can make your reported income look lower than it actually is.

Strict Requirements

Banks often insist on 2+ years of tax returns, Notices of Assessment, and perfect financial statements.

We know it can feel unfair — you’re financially responsible and successful in your business, yet the mortgage process feels stacked against you. This is where BlueWater Mortgage comes in with smart, flexible solutions designed specifically for self-employed people like you.

Flexible Mortgage Options with BlueWater Mortgage

When the banks say “no,” we work hard to find a way to say “yes.”

BlueWater Mortgage specializes in self-employed mortgage solutions that look beyond the usual paperwork. We’re a trusted mortgage brokerage with a wide network of self-employed mortgage lenders in Canada, including alternative lenders in Ontario (often called B-lenders) and private lenders. These reputable institutions use a common-sense approach to help you get approved.

How do we make it easier?

We focus on your actual financial picture — not just your tax returns. That means considering your cash flow, bank statements, client contracts, and business success. We’ll present your case the right way to help lenders see your true income and potential.

Key Benefits of Our Self-Employed Mortgage Solutions

Stated Income Programs: Great for those with high write-offs or variable income. Declare your income based on your business success, not just tax documents.
Access to B-Lenders & Alternative Lenders: Our mortgage advisors for the self-employed work with lenders who specialize in non-traditional income, lower credit scores, or short self-employment history.
Simplified Approval Process: We keep paperwork minimal, guide you through every step, and tailor the mortgage to your needs.
1-Year and 2-Year Self-Employed Mortgage Options: Whether you’ve just started or have an established business, we have options to get you approved.
Mortgage Refinance for Self-Employed: Refinance to access equity or consolidate debt – even with non-traditional income.
Business for Self (Alt. A) Program: Designed for self-employed borrowers who have been in business for at least two years and can demonstrate a history of managing their credit and finances responsibly. This program enables you to obtain mortgage insurance without traditional income verification

Areas We Serve

Whether you’re a startup owner in Hamilton, a freelancer in Etobicoke, or a contractor in Mississauga, we’ve got you covered.
We serve self-employed homebuyers and refinancers across:

Toronto

Mississauga

Hamilton

Etobicoke

And throughout Ontario

Why BlueWater is the Best Mortgage Advisor for Self-Employed

Proven success helping self-employed Canadians get approved

Access to the best self-employed mortgage lenders in Canada

Competitive rates from B-lenders and alternative providers

Friendly, expert advice from mortgage advisors who understand self-employment

Flexible approval options based on your real income

Help with home purchases and refinancing

We’ve helped countless self-employed professionals secure their dream homes — even when traditional lenders said no.

Frequently Asked Questions (FAQs)

Can a self-employed person get a mortgage in Canada?

Yes! Whether you’re in Mississauga, Toronto, Hamilton, Etobicoke, or elsewhere in Ontario, we can connect you with self-employed mortgage lenders who offer flexible options.

What is the best mortgage for a self-employed person in Ontario?

The best mortgage depends on your business, income type, and goals. We offer access to the best self-employed mortgages from both traditional and alternative lenders in Ontario.

How long do I need to be self-employed to qualify?

We offer solutions for both 1-year and 2-year self-employed mortgage applicants. Even if you’re newly self-employed, we may be able to help with stated income or B-lender options.

Can I refinance if I’m self-employed?

Absolutely. We offer self-employed mortgage refinancing to help you consolidate debt or access home equity, with options for alternative income verification.

Who are the best mortgage lenders for the self-employed?

We work with top-rated self-employed mortgage lenders in Canada, including B-lenders and alternative mortgage providers in Ontario, to find the right fit for your financial picture.

Let’s Make Homeownership Happen

You’ve built your business — now let us help you build your future.

📞 Speak with a mortgage advisor for self-employed professionals today

Whether you’re buying your first home or refinancing your mortgage, BlueWater Mortgage is your trusted partner in self-employed mortgage financing.

Lenders

Dominion Lending Centres mortgage and leasing professionals shop over 90 different banks, credit unions, and trust companies to meet your financing needs. We will search hundreds of lending products to find the best possible mortgage or leasing solution tailored to you. With access to the top b lenders in Canada, we ensure that every client gets the ideal solution for their unique financial situation.

Our professionals work with the top b lenders in Canada to provide personalized financing options for every client.

Whether you’re exploring options with mortgage lenders in Ontario or looking for reliable mortgage lenders near me, our team is here to guide you every step of the way.