Self-Employed Mortgages
Built for Entrepreneurs
Ontario's self-employed professionals, business owners, contractors, and freelancers deserve the same access to competitive mortgages as salaried employees. Lez Gomez specializes in stated income, bank statement, and alternative documentation mortgage programs across Toronto, Mississauga, Hamilton, Ottawa, and every Ontario community.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
Understands Self-Employment
Lez Gomez knows that self-employed Ontarians write off expenses that reduce their reported income. We work with lenders in Toronto, Mississauga, Hamilton, and province-wide who look beyond your NOA to see your true earning power.
Stated Income Programs
Qualify based on reasonable stated income rather than line 150. Lez Gomez connects Ontario entrepreneurs with A-lenders, B-lenders, and credit unions that offer stated income programs from Brampton to Barrie and beyond.
Flexible Documentation
Bank statements, business financials, contracts, invoices - Lez Gomez works with whatever documentation you have. We package self-employed mortgage applications strategically for maximum approval probability across Ontario.
Competitive Rates Available
Many self-employed Ontario clients qualify for A-lender rates with the right presentation. Lez Gomez maximizes your qualification by selecting the optimal program from 50+ lenders in Vaughan, Oakville, Kitchener, and province-wide.
All Business Types
Sole proprietors, partnerships, incorporated businesses, contractors, gig workers, commissioned salespeople, and freelancers. Lez Gomez has specific lender programs for every business structure across Ontario.
Tax-Smart Structuring
Lez Gomez helps Ontario business owners structure their mortgage in the most tax-efficient way possible, potentially making mortgage interest deductible for investment properties and business-use portions of your home.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Business Review
Call Lez Gomez at 416-723-1313. We review your business type, income documentation, and mortgage goals to determine the optimal self-employed program for your Ontario situation.
Strategic Packaging
Lez Gomez assembles your application using the documentation that best represents your true income. We know what each Ontario lender looks for and present your file accordingly.
Lender Submission
We submit to the lenders most likely to approve your self-employed mortgage with the best terms. Lez Gomez manages all follow-up questions and conditions across Ontario.
Approval & Closing
Secure your mortgage approval and close on your Ontario property. Lez Gomez ensures self-employed clients get the same professional, efficient experience as any other borrower.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Self-employed for a minimum of 2 years (some lenders accept 1 year)
Business registration, articles of incorporation, or business license
Recent bank statements showing consistent business deposits
Reasonable stated income relative to your industry and business type
Minimum 10-15% down payment for insured stated income programs
Good credit preferred (680+) but Lez Gomez has B-lender and private options too
Any business type located or operating in Ontario
Both purchase and refinance transactions available
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
Can I qualify for a mortgage if I write off a lot of business expenses?
How long do I need to be self-employed to get a mortgage in Ontario?
What documents do self-employed borrowers need in Ontario?
Can I get the same rates as salaried employees?
Does Lez Gomez help self-employed borrowers across all of Ontario?
Lez Gomez: Ontario's Self-Employed Mortgage Expert
Lez Gomez has helped thousands of Ontario's self-employed professionals, business owners, contractors, and freelancers secure competitive mortgages. The challenge for self-employed borrowers is well-known: smart tax planning reduces reported income, which makes bank qualification difficult. Lez Gomez bridges this gap with expert knowledge of stated income programs, bank statement underwriting, alternative documentation lending, and strategic file presentation. We work with 50+ lenders across Ontario including A-lenders with insured stated income programs, B-lenders with reasonable stated income options, credit unions with business-friendly policies, and private lenders for unique situations.
Ontario's entrepreneurial community is thriving in cities like Toronto, Mississauga, Brampton, Vaughan, Markham, Richmond Hill, Oakville, Burlington, Hamilton, Kitchener, Waterloo, Cambridge, Guelph, London, Ottawa, Barrie, Kingston, Peterborough, St. Catharines, Brantford, Sudbury, and communities across the province. Lez Gomez is proud to support Ontario's business owners with mortgage solutions that recognize their true earning power. Whether you're a tech contractor in Toronto, a restaurant owner in Hamilton, a real estate agent in Mississauga, a trades professional in Barrie, or an online business owner anywhere in Ontario, Lez Gomez has the expertise and lender relationships to secure your mortgage. Call 416-723-1313 for your free self-employed mortgage consultation.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides self-employed mortgages services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.