You’ve built your income and independence with real hustle. Getting a mortgage shouldn’t slow you down. We look beyond the traditional paperwork to understand your true financial picture—so you can move forward with confidence.
Our mortgages are built for people whose income doesn’t come from a regular paycheque. If you work for yourself or earn income in a non‑traditional way, you’re not alone—you're exactly who we’re here for. We support members across British Columbia with independent careers, including:
Entrepreneurs who reinvest profits into growing their business rather than paying themselves a high salary.
Designers, consultants, and gig workers with income that fluctuates throughout the year.
For salaried employees, qualifying for a mortgage is usually simple. Lenders review a T4 and base decisions on gross income.
For self‑employed borrowers, it’s often a different story. Traditional banks focus on net income shown on your Notice of Assessment—which can significantly limit how much you qualify for if you’ve claimed legitimate business expenses.
Qualifying income can include your company’s net income after tax, not just personal salary or dividends.
→ Extended debt‑service ratio, which can help you qualify for a larger mortgage.
📄 Income Documentation Options:
We can assess eligibility using your gross business income, even if it fluctuates.
→ These programs offer extended debt‑service ratios, which can help you qualify for a larger mortgage.
📄 Income Documentation Options:
Loan Terms Available:
LTV = how much you need to borrow ÷ the home’s value.
$650,000 ÷ $1,000,000 = 65% LTV
Your loan is 65% of the home’s value, so your LTV is 65%.
If you’re self‑employed, commissioned, or running your own business, you deserve a lender who understands your real income—not just what shows up on a tax return.
Talk to a Community Savings mortgage specialist and explore options designed for the way you actually earn.
Split your mortgage into different terms and rates to match short- and long-term plans.
As you pay down your mortgage and your home’s value grows, re-borrow from your equity without extra legal fees—ideal for upgrades or big plans.
With a single registration, manage multiple loan options—like a line of credit or renovation loan—under one mortgage for future convenience.
Renew your mortgage up to 180 days before maturity—without penalty.
Secure your interest rate up to 60 days in advance.*
Choose an affordable amortization period—up to 30 years.
Make additional payments of up to 30% of your original mortgage balance each year, whenever it works for you.
Life happens—enjoy the flexibility to skip one mortgage payment every year.
Pay down your mortgage faster by doubling your monthly payments.
*Some conditions, restrictions and qualification apply. Rates subject to change without notice.
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