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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!

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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.

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