4361 Harvester Rd Unit 7, Burlington , ON L7L 5M4

Self Employed Mortgage Ontario

Our Mortgage Broker Can Help You Obtain A Self-Employed Mortgage
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Circle Mortgage Group Makes Every Effort To Offer Our Clients:
Best Available Rates
Fast Approval
Quick funding
Customer Focussed

Trusted Lenders

Circle Mortgage Prides Itself On:

Affordable Services
Our team is committed to working through our database of quality lenders to help you find the best rate on your commercial mortgage.
Professional Team
Commercial mortgages take special expertise. When you work with our team, you can be confident in their knowledge to help you and your business.
Quality Solutions
Whether you need a commercial mortgage to invest in your storefront,warehouse, or industrial land, we help to find the right solution for you.
Fantastic Interest Rates
Don’t pay more than you have to. We will always strive to find you the best possible rate for your commercial mortgage.
Self-Employed Mortgage in Burlington
Circle Mortgage Group has over 15 years of experience in the mortgages industry. Our dedicated broker has helped thousands of clients in Canada qualify for a mortgage, especially those who have their own businesses. While there are many benefits to being a business owner, self-employed individuals often have a difficult time securing mortgage financing because they're seen as a risk due to having a harder time proving their annual income. At Circle Mortgage Group, we strive to make the process simpler.

We Ensure Self-Employed Mortgage Applicants Get Approved

Just because you own a business doesn't mean that you can't own a home. Our brokerage's office is located in Burlington, Ontario but we offer a wide range of services to clients all over the Greater Toronto Area, Ontario and the rest of Canada. Over the years, we have built a strong up-to-date network of mortgage lenders, including Canadian financial institutions and private lenders. Our goal is to ensure every self-employed borrower receives comprehensive advice and expertise when contacting our office. Before you submit a Canada mortgage application, give us a call. We will help you explore all your options and search for the lowest interest rate.
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Can You Secure A Mortgage With A Minimum Down Payment?
In many cases, a self-employed individual will have the required down payment and a good credit score but will still be turned down by a mortgage lender, such as banks or credit unions. The reason? Because they're seen as a "risky lender" since it's more difficult for business owners to prove that they have sufficient income to pay for their mortgage. This is due to tax writeoffs that lower their overall income on financial statements, as well as fluctuating income which makes it difficult to predict expected revenue. At Circle Mortgage Group, we have access to lenders that specialize specifically in lending money to self-employed individuals and we will help you navigate through the process regardless of whether you have a larger down payment or the minimum.

Benefits Of Having An Experienced Mortgage Brokerage On Your Side

When applying for a mortgage, lenders take into consideration the borrower's credit score and net income, as well as the property value and purchase price. A self-employed mortgage is a mortgage given to a self-employed person, however, it is provided by specialty lenders not bound by federal regulations. Unlike stated income mortgages, documentation is still required. Financial statements of self-employed income, business bank accounts, HST remittance, and business and personal credit limit and credit scores may all be accessed in the process. However, don't let this documentation keep you from applying. Using a brokerage to navigate the complexities of self-employed mortgages has clear advantages. They can help you find the right lender for your situation and help you get a great interest rate.

Circle Mortgage Offers Comprehensive Solutions And Great Mortgage Rates

Buying a house is already a difficult process - according to the Canada Mortgage and Housing Corporation, individuals are required to pay mortgage default insurance premiums if they don't have a sufficient downpayment. At our brokerage, we strive to offer clients the right solution for their needs. Whether you're inquiring about self-employed mortgages, traditional mortgages or a stated income mortgage, contact us today!

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Happy Customers

  • Jivan’s sense of ethics is endearing. Mortgages are a hard hit to a client and it makes my business worth working for when I work with a Mortgage Broker who works with my client and ensures that the Mortgage my client is signing into will not result in sleepless nights.

    - Jacquie Jefferies
  • I have used Jivan’s services on numerous occasions, and have had successful results that suite my needs and budget. He was very professional yet personal so there was a confident feeling in my new mortgage. I have always received the best rate and get frequent updates. I have been so confident in his business etiquette that I have not only referred his services to my friends but also to my mom. I continue to use Jivan’s services to renew my investments.

    - Ramona Paul
  • I have used Jivan’s services on numerous occasions, and have had successful results that suite my needs and budget. He was very professional yet personal so there was a confident feeling in my new mortgage. I have always received the best rate and get frequent updates. I have been so confident in his business etiquette that I have not only referred his services to my friends but also to my mom. I continue to use Jivan’s services to renew my investments.

    - Tasnim Jivaji
  • I have had the pleasure of working with Jivan on several real estate deals and he consistently brokered the best mortgage rate for me.The process was always painless and fast. I trust his recommendations and advise.

    - Tony Almeida
  • Our experience with Jivan has been outstanding. He always seems to find us the lowest rates, but that’s only part of it. What really shines is the level of service he offers. He keeps us up to speed as the market changes and offers advice that time has shown to be absolutely spot on. Need a mortgage? Call Jivan.

    - Paul Vance
  • First time buying a house is a very stressful experience, and Jivan at DLC really helped reduce that stress by clearly outlining the process before we began so there were no surprises along the way and of course I had a lot of questions, and he was quick to respond to them. Now I recommend Jivan to anyone that tells me they are considering to buy a house because of my stress-free experience

    - Andrew Mabon

How Self-Employed Mortgage can help you out?

Great interest rates
Professional and courteous service
Fast approval – even with little provable income
Get approved when others have turned you down
Become a homeowner and invest in an asset
Build equity in your home that you can borrow from in the future

Frequently Asked Questions

How reliable is a Mortgage Broker?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers. These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.
Want to learn more about how you can apply to get approved for your commercial mortgage?
Contact Circle Mortgage Group today!
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