Mortgage Centre


Tracy Irwin

- Mortgage Broker

Mortgage Strategies for the self-employed

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mortgage Strategies - Self employed

Self Employed Mortgages - watch video

Self-employment mortgagesSelf Employed? Get the Respect You Deserve with a Self Employed Mortgage

You work hard to grow your business, your accountant does a fabulous job of minimizing your net profit – but when it comes time to finance – how do you substantiate your income? There are some exciting new mortgage products that are specifically designed with the entrepreneur in mind.

Banks don't trust the self-employed!

You have worked hard to grow your business and are rewarded by minimizing your net income and maximizing your allowable tax deductions. But when it comes to financing, your bank penalizes you because you are unable to substantiate your income. Why is that?

News Fact:
Did you know that the self-employed represent 15.5% of all employment in Canada and that startups are growing at an unprecedented rate?
-- Source – Statistics Canada, Labour Force Survey, April, 2006

The good news is that many lenders are taking a different look at the powerful buying force of the self-employed and creating innovative solutions for mortgage financing.

Key features and benefits

Simpler application
  • You won’t need any detailed financial statements or income verification.
  • Less paperwork, less hassle
Easier approval process
  • Your approval is based on your personal credit score and the value of your home
Variety of mortgages
  • There are several mortgage options to choose from depending on your individual needs - ranging from low documentation to no documentation and flexible equity

I wanted to thank you again for your services. You certainly went out of your way to make this mortgage possible for me as a self-employed woman that had not yet been in business for three years. Your very professional and empathetic advice was appreciated and made me feel like you really understood what the difficulties were in obtaining my goal, in ways that the bank never could. I am counting myself lucky to know you and I’m looking forward to recommending you to anyone who is in need of a mortgage broker.
-- E. A., Georgetown, ON

What you need:

• Good credit history – “What does your credit score mean

• Notice of Assessment from Canada Revenue Agency to confirm no income tax arrears

• The market value of your home

• Your “loan to value” (mortgage amount ÷ home value x 100)

• Where the down payment will come from


Get the respect you deserve and a mortgage loan that meets your needs!

Are you self employed - call 1-866-797-7616
To apply or for more information on a self-employed mortgage for your home, please contact Tracy Irwin at toll-free number 1-866-797-7616 or contact her online at

Financing your mortgage loan needs in Stoney Creek, Burlington, Waterdown, Oakville, Hamilton, Ancaster and Dundas, Ontario.

R.D.M. Financial Consultants Ltd. Brokerage Licence # 10716 Each Mortgage Centre office is independently owned and operated