Get Mortgage Approval for Self-Employed Ontarians Fast, Clear, Reliable
Self-employed? We know how lenders view your income. Get pre-approved with lenders who accept business income, gig income, and non-traditional documentation.
- Pre-approval in 24–48 hrs for qualified applicants
- Unlock accessAccepting T-slips, Notice of Assessment, bank statements & bookkeeping to a wide network of lenders and a variety of mortgage products.
- Local Ontario lenders + private financing options
4.9 (120+ reviews)
Licensed Ontario Mortgage Agent
Member of Provincial Association
Why self-employed borrowers get turned down and how we fix it
Many self-employed homeowners are declined because lenders rely on salaried income models. At Edan Mortgages we package your income correctly, match you to lenders who accept non-traditional docs, and present your application to win approvals — often when banks say no.
- Traditional lenders need 2 years of T-slips
- Low documented income on paper
- Time pressure for a purchase/closing
- We provide alternative lender options.
- We build a verifiable income story for lenders.
- Fast pre-approval and phone support.
Mortgage Solutions We Offer
Many self-employed homeowners are declined because lenders rely on salaried income models. At Edan Mortgages we package your income correctly, match you to lenders who accept non-traditional docs, and present your application to win approvals — often when banks say no.
Self-Employed Mortgages
Specialized programs for business owners, contractors, and freelancers.
- Stated income programs
- Alternative documentation
- Fast approval process
Residential Purchase & Pre-Approval
First-time buyers and move-up purchasers throughout Ontario.
- Pre-approval certificates
- Rate holds available
- Expert guidance
Refinance & Debt Consolidation
Unlock your home equity or consolidate high-interest debt.
- Lower monthly payments
- Cash-out options
- Flexible terms
Private & Alternative Lending
Solutions when traditional banks say no.
- Bad credit OK
- Quick approvals
- Creative solutions
How We Help Self Employed Borrowers Win
As Ontario’s trusted self-employed mortgage specialists, we understand
the unique challenges you face and have the solutions to overcome
them.
- Access to 40+ lenders including major banks and private lenders
- No cost to you — lenders pay us, not you
- Same-day pre-approvals available for qualified applicants
- Expert advice on income documentation strategies
- Ongoing support from application through closing
What makes us different for self-employed clients
We specialize in presenting self-employed income in the best possible light to lenders
What Peoples Say
Any questions? We got you
We offer various mortgage types, including:
- Purchase
- Private Mortgage
- First Time Home Buyer
- Commercial Mortgages
- Refinance Mortgage
- Renewal Mortgage
- Heloc/Second Mortgage
- Reverse Mortgage
The process usually takes 48 - 72 hours depending on the complexity of file from application to approval, but this can vary based on individual circumstances.
Yes; we offer in-person consultations. Contact us to book an appointment
Qualification depends on factors like credit score, income, debt-to-income ratio, and down payment.
You can apply for your mortgage by clicking here. Alternatively, you can meet the my Team and apply directly with one of our agents.
Rates are influenced by market conditions, your credit score, loan term, and down payment amount.
Depending on the terms of the mortgage, you can pre-pay a maximum of 10% to 20% annually based on your original principal balance. Reach out to us for a no-obligation review of your Mortgage Agreement.
Quick Links
Services
Gaurav V Makhija
- FSCO License# M24001012
- Mortgage Agent Level 2
- 437-445-5151
- gaurav@edanmortgages.com
- 989 Derry Rd E #407, Mississauga, ON L5T 2J8, Canada
Over the past year, I have dealt with a couple of mortgage lenders, but the services offered by this company ( Gaurav) are second to none. They are genuine, know their job and deliver results precisely as expected.