You are in the right place! In a single request, Mathieu Lebrun’s Team negotiates for you the best possible rate as a self-employed, with more than 30 financial institutions.
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We find mortgage solutions for all types of customers. Among our financial partners, we’ll find a mortgage offer that’s just right for you.
Whatever your financial history, the nature of your profession or business, your mode of remuneration – talk to us! You’ll find an ally who’s ready to listen, understand your specific situation and, above all, negotiate in your best interests to find you the best possible mortgage.
It is estimated that there are over 500,000 self-employed workers in Quebec (Source: https://statistique.quebec.ca/fr/communique/resultats-enquete-population-active-quebec-decembre-2022).
It’s important to note that every situation is unique, and specific challenges may vary depending on factors such as length of practice, type of professional activity and overall financial stability. One of our mortgage brokers can help you navigate these challenges and find solutions tailored to your situation.
If a self-employed person can prove sufficient declared income over the last two years and meet the criteria and ratios of banks or insurers, they can obtain financing similar to that of an employee. Requirements include:
Don’t worry if you don’t meet these criteria, our team is here to help.
Self-employed people are generally required to provide detailed proof of income, tax returns, bank statements and employment contracts.
Lenders look at average income over a two-year period, and consider stability and regularity of income.
Commonly required documents include tax returns, notices of assessment, bank statements, employment contracts, invoices and client statements.
Self-employed people may be subject to higher down payment requirements, generally 10% to 20%, depending on their financial profile and the lending policies of the institutions.
Income fluctuations can make it difficult to demonstrate financial stability, but proof of regular income and clear explanations can help overcome these challenges.
Yes, some financial institutions offer mortgage programs specifically designed for the self-employed, taking into account their unique needs and financial situation.
Prepare complete financial documents, maintain a good credit rating, save for an adequate downpayment and work with a specialized mortgage consultant to maximize your chances of success.
Advantages include greater flexibility in managing your finances, while challenges can include the need to prove stable income and meet stricter documentation requirements.
Yes, certain business expenses can be deducted to reduce income.
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As of 17/09/24
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