Self-Employed Mortgages | Expert Solutions for Entrepreneurs

Why Self-Employed Ontarians Face Mortgage Hurdles

Being your own boss means your finances don't fit into the neat boxes big banks demand. This is precisely where Mortio Financial steps in.

Fluctuating income can make it hard for traditional lenders to recognize consistent, qualifying income.

Legitimate write-offs can reduce your reported income, which is typically the figure banks use to assess mortgage eligibility.

Traditional lenders usually demand at least two years of specific tax returns, providing limited flexibility for newer businesses.

Ideal for applicants with significant write-offs. This program allows you to declare a realistic income based on your industry and business success.

We identify legitimate business expenses that can be 'added back' to your income, significantly increasing your borrowing power.

We have access to lenders with flexible programs for recently established entrepreneurs.

We combine specialized expertise with a vast lender network to turn your entrepreneurial success into homeownership.

We don't just dabble in self-employed mortgages; it's a core focus of our business. We understand your challenges because we solve them every day.

Our extensive network includes B-Lenders and private institutions that specialize in and welcome self-employed applications.

We provide clear, expert guidance on how to position your finances for a successful approval, ensuring you understand every step.

We build your application around your actual cash flow and business strength, not just your declared income on paper.

We offer a full suite of services for both purchases and refinancing to help you achieve your specific real estate and financial goals.

We streamline the application process, leveraging technology to get you from application to approval faster than traditional banks.