Self Employed Mortgages made simple.

The Self Employed Mortgage Solution – Helping You Get The Right Solution For Your Mortgage Needs

This E-Book helps you understand what the banks, trust companies and the other lender’s are looking for when applying for a mortgage. This E-Book will provide you the information needed to ensure you get the best mortgage rate and solution for your mortgage needs!


When it comes to mortgages, it gets tough when you are self-employed. Reducing your taxable income can make it challenging to qualify for the mortgage you deserve. We understand business owners because we are business owners ourselves!

Let our team of mortgage agents and brokers show you how our self-employed mortgage solution can get you approved today.


How much can you get?

More then ever, Canadians are opting to work for themselves or work contract jobs with their existing companies rather than receive a yearly salary. There are many advantages to being self-employed, such as the ability to write-off many personal expenses. The downside to this is that it can often be challenging to get a mortgage through the big banks because they typically will not evaluate self-employed individuals with a common sense lending approach, instead, they focus on your income on line 150.

Citadel Mortgages understands this market well, and we offer our self-employed mortgage solution program to cater to the need’s of our self-employed clients, so be assured we have a self-employed mortgage solution for you!

Sole Proprietorship & Partnerships:

  • Business License
  • 6 Months Bank Statements
  • Void Check
  • 2 Piece Of ID
  • Any Net worth Documents (if applicable)


  • Articles Of Incorporation
  • 6 Months Bank Statements
  • Void Check
  • 2 Piece Of ID
  • Any Net worth Documents (if applicable)

Keep In Mind The Following May Be Required:

  • May Need A Larger Down Payment
  • May Need A Co-signer

See the difference for yourself and get approved today!

Self-Employed-Contractor-Citadel Mortgages

In addition to reducing the amortization period and raising the minimum down payment required to purchase a home, in 2014, the Canadian Mortgage and Housing Corporation (CMHC) discontinued mortgages for those who are self-employed without third-party validation. Before that, self-employed Canadians and contractors only had to state their income. But not anymore.

This made the homeownership dream for hundreds of thousands of Canadians more difficult. That’s because 2.76 million Canadians are self-employed; a whopping 15% of the country. Moreover, more and more Canadians step into the ranks of the self-employed every year.

Unfortunately, big banks don’t help entrepreneurs and view them as risky. Because you are a self-employed entrepreneur and might draw a smaller income for tax purposes, the banks think there’s a higher chance that you’ll default on your mortgage.

At Citadel Mortgages, we pride ourselves in being experts when it comes to arranging self-employed mortgages because we are self-employed just like you. If you are a Self-employed, we have a mortgage solution for you.

Your Journey Products


Find out how much home you can afford

See how you can save and become mortgage free sooner

Calculate how much you’d spend each month to buy a home or renew or refinance your mortgage.

Start thinking about how much you spend each month, create a budget, and start saving up for your home.

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  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

2. All rewards are offered subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees and taxes on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Co. makes no representations or warranties, express or implied. For complete details, see current Program Terms and Conditions, available at or the AIR MILES Customer Care Centre at 1-888 AIR MILES (or in Toronto call 416-226-5171).

3. Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 Cash Miles for $10 towards purchases at participating AIR MILES Partner locations and online at in increments of 95 Cash Miles for every $10 value from participating Reward Partners to a maximum of $750 per day. eVouchers can be used at participating Reward Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit

4. A short haul flight is a return flight with origin and destination within the same flight zone having a departure date during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15.

5. Flight examples shown are for illustrative purposes only. Examples represent the number of AIR MILES Reward Miles required during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15. The required number of Miles is determined by the departure date. Miles required are the “starting from” rates for round-trip travel in economy class per traveller.

6. Mortgage applications are subject to meeting Citadel Mortgages and our lenders usual credit criteria.

7. All mortgages must close and fund with Citadel Mortgages, this offer is vaiild with any new or renewal mortgage and offer can change at any time without notice.

8. AIR MILES® Bonus Miles are suject to a closed mortgage that fund with Citadel Mortgages. The AIR MILES® Bonus Miles will be added to the account 30 days after mortgage closes,.

Please note all terms and conditions can change at anytime.

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Visit to help you calculate the number of Miles you need to fly to your selected location.

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