The Greater Toronto Area is Canada's largest and most varied mortgage market, spanning downtown condos, 905-belt townhomes, and detached homes from Oshawa to Milton. Borrowers here range from first-time condo buyers to growing families upgrading within the same commuting corridor.
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Choosing a self-employed mortgage agent in Toronto & GTA
Ask how many self-employed clients they've closed in the past year and whether they have access to lenders offering "stated income" or "bank statement" programs, since not every lender on a broker's panel supports this.
Self-employed mortgage agents in Toronto & GTA — common questions
Some lenders allow income to be "grossed up" or use add-back calculations for self-employed borrowers, but this varies significantly by lender — an experienced agent will know which ones.
Most traditional lenders want 2 years of filed tax returns, but some alternative lenders will work with less, especially if you have a larger down payment.
Yes — a larger down payment reduces lender risk and can open up more loan programs, sometimes offsetting a lower reported income.