Why banks say no
Banks rely on T4 income to qualify borrowers. When you write off expenses or have variable income, their formulas don't work in your favour.
Stated Income Programs
B lenders and private lenders accept stated income — what you declare you earn, supported by bank statements and business activity.
Flexible Documentation
We accept T1 Generals, NOAs, business financials, bank statements, GST/HST returns, and contracts as proof of income.
Lenders Who Get It
We work with 50+ lenders including those who specialize in self-employed, incorporated, and gig-economy borrowers.
We help all types of self-employed
What to expect
Tell Us Your Situation
Business type, income, and what you’re looking for. 5-minute form or quick call.
Document Review
We tell you exactly what’s needed — no more, no less. We work with what you have.
Lender Matching
We submit to lenders who specialize in self-employed borrowers for the best possible rate.
Approval & Funding
Once approved, your mortgage is funded through your lawyer. Timelines vary by lender type.
Common documents we accept
Ready to get started?
Speak with a licensed Tordon advisor today.