2.7M
Self-employed Canadians
Ontario business owners · Self-employed mortgages
Your tax return doesn't tell your whole storywe build the case your business deserves
Self-employed, incorporated or on commission? Answer 6 quick questions to see your most likely route to approval and the exact documents lenders will ask you for. About 60 seconds. No credit check.
3,000+
Families funded
#5
Broker in Canada '26 · CMP
50+
Lender partners
Free self-employed approval check
What's your route to approval?
~60 seconds · no credit check
📋 Free document checklist at the end
🔒 Licensed Ontario brokerage · No credit check
What are you looking to do?
Pick the closest fit.
Buy a home
Refinance or take equity out
Renew my mortgage
Not sure yet
How do you earn most of your income?
This decides which documents lenders look at.
I own an incorporated business
Sole proprietor or partnership
Commission, contract or gig work
A salary plus a side business
How long have you earned it this way?
Time in business matters more than most people think.
Under 1 year
1 to 2 years
2 to 5 years
5 years or more
Roughly what's the price or home value?
A ballpark is fine. We'll confirm later.
How much down payment or equity do you have?
As a share of the price or home value.
Has a bank already said no?
It happens to strong business owners all the time.
Yes, I was declined or offered too little
No, I was approved elsewhere
I haven't applied yet
Simple & fast
From "the bank said no" to a real plan
No jargon, no pressure. A clear picture of how lenders will see your business.
01
Answer 6 questions
How you earn, for how long, and what you want to do. No credit check, no documents yet.
02
See your route
Your most likely route to approval and the documents to gather, so you walk in prepared.
03
Talk to a licensed broker
We read your corporate and personal numbers together and build the strongest case lenders will accept.
Why it matters
Banks read one line. We read the business.
Business owners often pay themselves less to save tax. A bank sees a low income; a specialist sees the whole company.
1 in 8
Canadian workers
50+
Lenders we can match you to
Source: Statistics Canada, 2023 (13.2% of employed Canadians were self-employed). Figures change over time.
Why business owners choose us
Specialists in files the banks find hard
🏢
We read the corporation, not just the T1
Personal and corporate income, retained earnings and add-backs, assembled into one case a lender can approve.
🔁
A second call, not a final no
One decline is rarely the answer. We know which lenders fit which business, and we make the second call.
🧭
A plan back to the best rates
If an alternative lender is the right bridge today, we map the route back to a major lender and diarize it.
⚡
Fast, human follow-up
Submit your details and hear from a licensed broker in minutes, not days.
“I’ve worked with other lenders before, but Tiffany Group is in a league of its own. The team understood my goals immediately and built a strategy that made sense for both my lifestyle and long-term plans.”
MK
Melissa KOakville, ON
★ Ranked #5 in Canada 2026 · CMP
FSRA Licensed #12864
Good to know
Questions business owners ask
I pay myself a low salary to save tax. Can I still qualify?
Often, yes. Depending on the lender, income can be assessed using your personal and corporate returns together, including income left in the company. That's the case we build for you. Every lender has its own policy, so we match your file to the ones that fit.
Do I need two years in business?
Two years of filed returns opens the most doors, but it isn't the only way. Some lenders consider shorter histories when you've stayed in the same line of work, and alternative lenders can bridge you until you have the history. We'll tell you honestly which applies to you.
What documents will I need?
Usually two years of personal tax returns and Notices of Assessment, plus financial statements and articles of incorporation if you're incorporated, business bank statements, and 90 days of history on your down payment. Your checklist at the end is tailored to how you earn.
What if a bank already said no?
That's where we do our best work. A decline from one bank says more about that bank's policy than about you. We look at why, and at which lenders read your kind of business differently.
Will an alternative lender cost me more?
It can. Alternative and private options may carry a higher rate or a lender fee. When that's the right bridge, we show you the full cost up front and plan the move back to a major lender as soon as your file allows it.
What does it cost to work with a broker?
For most major-lender mortgages, there's no cost to you: we're typically compensated by the lender when your mortgage funds. Some alternative and private files carry a broker or lender fee, and we'll always tell you before you commit to anything (O.A.C.).
Your business is stronger than one line on a tax return. let's show the lenders
See your route to approval and get your document checklist in about 60 seconds.
Check my route