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Banks penalize self-employed borrowers. Mortgagefy uses flexible income verification so your mortgage doesn't depend on a T4 — 83% of self-employed clients get approved after being declined.
Takes 30 seconds. No credit check required.
Being self-employed, running a corporation, or working as a contractor should not disqualify you from homeownership or refinancing. Mortgagefy has helped hundreds of business-for-self (BFS) clients across Canada secure mortgages using flexible income verification methods that the major banks simply do not offer.
Traditional lenders rely heavily on T4 employment income verified through Notice of Assessment. Self-employed borrowers often write off legitimate business expenses that reduce their declared income on paper — making them appear to earn less than they actually do. We work with lenders who understand this reality.
83% of our self-employed clients were approved using alternative income verification after being declined by their bank.
Licensed professionals. Response within 2 hours.
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Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
My accountant does a great job minimizing my taxes, which made my bank decline my mortgage. Mortgagefy used a stated income program and got me approved at a great rate.
Being self-employed for just 1.5 years, most banks would not look at me. Mortgagefy found a B-lender who approved my application based on my bank statements.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
