{"id":16417,"date":"2024-06-02T01:58:38","date_gmt":"2024-06-02T01:58:38","guid":{"rendered":"https:\/\/hypothequerapide.com\/services\/travailleur-autonome"},"modified":"2025-08-04T18:29:01","modified_gmt":"2025-08-04T18:29:01","slug":"travailleur-autonome","status":"publish","type":"page","link":"https:\/\/hypothequerapide.com\/en\/services\/self-employed","title":{"rendered":"Self-employed"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"16417\" class=\"elementor elementor-16417 elementor-14193\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6d5454 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6d5454\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c2f7d4b\" data-id=\"c2f7d4b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-571aee4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"571aee4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Self-employed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e8575f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6e8575f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You are in the right place! In a single request, Mathieu Lebrun\u2019s Team negotiates for you the best possible rate as a self-employed, with more than 30 financial institutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7007309 e-con-full e-flex e-con e-parent\" data-id=\"7007309\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1b0ad00 e-flex e-con-boxed e-con e-child\" data-id=\"1b0ad00\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04a764d elementor-widget elementor-widget-text-editor\" data-id=\"04a764d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get the best rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fc5fc8 e-flex e-con-boxed e-con e-child\" data-id=\"5fc5fc8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-682b826 elementor-widget elementor-widget-html\" data-id=\"682b826\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<input type=\"checkbox\" id=\"toggle\" class=\"toggleCheckbox\" \/>\n<label for=\"toggle\" class=\"toggleContainer\">\n <div>Fixed rate<\/div> \n <div>Variable rate<\/div>\n<\/label>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f504e78 e-flex e-con-boxed e-con e-child\" data-id=\"f504e78\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fb4c90c e-con-full e-flex e-con e-child\" data-id=\"fb4c90c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1aacfb elementor-widget elementor-widget-text-editor\" data-id=\"d1aacfb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Call one of our mortgage brokers now<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-763c9ab elementor-align-left bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"763c9ab\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-lg ub-animation-left2right\" href=\"tel:514-907-4707\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                514-907-4707            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb030ed e-con-full e-flex e-con e-child\" data-id=\"cb030ed\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c32580f e-flex e-con-boxed e-con e-child\" data-id=\"c32580f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cadc798 elementor-widget elementor-widget-heading\" data-id=\"cadc798\" data-element_type=\"widget\" id=\"tauxfixe\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 years fixed* <span class=\"underline\" id=\"taux3\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6200e6d elementor-widget elementor-widget-heading\" data-id=\"6200e6d\" data-element_type=\"widget\" id=\"tauxvariable\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 years variable* <span class=\"underline\" id=\"taux4\"><\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba13762 elementor-align-left elementor-widget__width-inherit bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"ba13762\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-lg ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Get this rate            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42bd413 e-flex e-con-boxed e-con e-child\" data-id=\"42bd413\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9db764 elementor-widget elementor-widget-text-editor\" data-id=\"d9db764\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<a href=\"\/en\/rates\"><span style=\"text-decoration: underline;\">\nView all rates as of 28\/04\/26<\/span><\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a356287 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a356287\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 10px;\">*Conditions apply. Rates in effect today.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-05bc1ef elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"05bc1ef\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-651a1e2 e-flex e-con-boxed e-con e-parent\" data-id=\"651a1e2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8975ed elementor-widget elementor-widget-heading\" data-id=\"f8975ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage for the <span class=\"underline\">self-employed<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea0bfeb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ea0bfeb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We find mortgage solutions for all types of customers. Among our financial partners, we&#8217;ll find a mortgage offer that&#8217;s just right for you.<\/p><p>Whatever your financial history, the nature of your profession or business, your mode of remuneration &#8211; talk to us! You&#8217;ll find an ally who&#8217;s ready to listen, understand your specific situation and, above all, negotiate in your best interests to find you the best possible mortgage.<\/p><p>It is estimated that there are over 500,000 self-employed workers in Quebec (Source: <a href=\"https:\/\/statistique.quebec.ca\/fr\/communique\/resultats-enquete-population-active-quebec-decembre-2022\" target=\"_blank\" rel=\"noopener\">https:\/\/statistique.quebec.ca\/fr\/communique\/resultats-enquete-population-active-quebec-decembre-2022<\/a>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07b730b e-flex e-con-boxed e-con e-parent\" data-id=\"07b730b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ebbedb7 e-con-full e-flex e-con e-child\" data-id=\"ebbedb7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-912dbd2 elementor-widget elementor-widget-heading\" data-id=\"912dbd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Challenges and difficulties faced by the self-employed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f96901 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f96901\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Proof of variable income: Self-employed people often have fluctuating incomes, which can make it difficult to demonstrate financial stability to lenders.<\/li><li>Complex documentation: Financial institutions may require more detailed documentation for the self-employed, such as bank statements, tax returns and employment contracts.<\/li><li>Lack of pay stubs: Without regular pay stubs, it can be difficult to prove consistent, reliable income.<\/li><li>Higher risk assessment: Lenders may consider self-employed people to be riskier borrowers due to the uncertainty surrounding their income.<\/li><li>Higher downpayment requirements: Self-employed people may be required to make a higher downpayment than traditional wage earners to compensate for the risk perceived by lenders.<\/li><li>More rigorous underwriting process: Lenders may apply stricter approval criteria and a more thorough assessment of self-employed people&#8217;s financial history.<\/li><\/ul><p>It&#8217;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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bb0bb6 e-con-full e-flex e-con e-child\" data-id=\"5bb0bb6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad844c0 elementor-widget elementor-widget-image\" data-id=\"ad844c0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg\" class=\"attachment-large size-large wp-image-12791\" alt=\"\" srcset=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg 600w, https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0103ec8 bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"0103ec8\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-xl ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Get Free Mortgage Proposals            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b490332 e-flex e-con-boxed e-con e-parent\" data-id=\"b490332\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe1c3ce elementor-widget elementor-widget-heading\" data-id=\"fe1c3ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to put together a <span class=\"underline\">mortgage application<\/span>:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f641b0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7f641b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Proof of income: Provide clear, detailed documentation to demonstrate your regular, stable income as a self-employed worker.<\/li><li>Solid financial balance sheet: Present a solid financial balance sheet highlighting your ability to manage your finances responsibly and honor your financial commitments.<\/li><li>Work history: Highlight your experience and professional stability as a self-employed worker to reassure lenders about the viability of your business.<\/li><li>Debt and credit history: Maintain a low level of debt and a favorable credit rating, which can enhance your credibility with lenders.<\/li><li>Downpayment: Save enough for an adequate downpayment, which may be higher for the self-employed.<\/li><li>Explanation of fluctuating income: Prepare a clear and convincing explanation to explain income fluctuations and reassure lenders of your ability to cope with these fluctuations.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-da43e66 e-flex e-con-boxed e-con e-parent\" data-id=\"da43e66\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e5e21ab e-con-full e-flex e-con e-child\" data-id=\"e5e21ab\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3665905 elementor-widget elementor-widget-image\" data-id=\"3665905\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg\" class=\"attachment-large size-large wp-image-12791\" alt=\"\" srcset=\"https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration.jpg 600w, https:\/\/hypothequerapide.com\/wp-content\/uploads\/2024\/05\/debt-consideration-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2f81c0 bannerbutton elementor-widget elementor-widget-banca_btn\" data-id=\"d2f81c0\" data-element_type=\"widget\" data-widget_type=\"banca_btn.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <a class=\"banca-ub-btn banca-ub-btn-normal banca-ub-btn-link elementor-button elementor-button-link elementor-size-xl ub-animation-left2right\" href=\"#cta\">\n                \n        <span class=\"elementor-button-content-wrapper\">\n            <span class=\"elementor-button-icon elementor-align-icon-left\">\n                            <\/span>\n            <span class=\"elementor-button-text\">\n                Get Free Mortgage Proposals            <\/span>\n\t\t<\/span>\n                    <\/a>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80bfd45 e-con-full e-flex e-con e-child\" data-id=\"80bfd45\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bd266c elementor-widget elementor-widget-heading\" data-id=\"3bd266c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can a self-employed person obtain a mortgage similar to that of an employee?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9e7f42 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f9e7f42\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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:<\/p><ul><li>Be self-employed for at least 2 years<\/li><li>2 years of proof of declared income<\/li><li>Be up to date with tax payments (federal and provincial)<\/li><li>Have a credit rating &gt; 620<\/li><li>Have a minimum down payment of 5% or 10%<\/li><\/ul><p>Don&#8217;t worry if you don&#8217;t meet these criteria, our team is here to help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f02bcd e-flex e-con-boxed e-con e-parent\" data-id=\"5f02bcd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0ca9ef elementor-widget elementor-widget-heading\" data-id=\"b0ca9ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"underline\">FAQ - Self-employment<\/span> and Mortgages in Canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13c7cb8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13c7cb8d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7050f401\" data-id=\"7050f401\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-692bf119 elementor-widget elementor-widget-banca_accordion\" data-id=\"692bf119\" data-element_type=\"widget\" data-widget_type=\"banca_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"faq-area\">\n    <div class=\"faq-widget\">\n        <div class=\"accordion\" id=\"accordion692bf119\">\n                            <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"0.1s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading11\">\n                            <h4 class=\"mb-0 \" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse11\" aria-expanded=\"false\" aria-controls=\"collapse11\">\n                                Q1: What are the specific requirements for self-employed people when applying for a mortgage?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse11\" class=\"collapse show\" aria-labelledby=\"heading11\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Self-employed people are generally required to provide detailed proof of income, tax returns, bank statements and employment contracts.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"0.3s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading12\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse12\" aria-expanded=\"true\" aria-controls=\"collapse12\">\n                                Q2: How do lenders evaluate the income of self-employed people when approving a mortgage?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse12\" class=\"collapse\" aria-labelledby=\"heading12\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Lenders look at average income over a two-year period, and consider stability and regularity of income.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"0.5s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading13\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse13\" aria-expanded=\"true\" aria-controls=\"collapse13\">\n                                Q3: What documents are usually required to prove self-employed income?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse13\" class=\"collapse\" aria-labelledby=\"heading13\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Commonly required documents include tax returns, notices of assessment, bank statements, employment contracts, invoices and client statements.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"0.7s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading14\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse14\" aria-expanded=\"true\" aria-controls=\"collapse14\">\n                                Q4: Do self-employed people need a larger down payment to obtain a mortgage?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse14\" class=\"collapse\" aria-labelledby=\"heading14\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>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.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"0.9s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading15\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse15\" aria-expanded=\"true\" aria-controls=\"collapse15\">\n                                Q5: How can fluctuations in self-employed income affect mortgage eligibility?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse15\" class=\"collapse\" aria-labelledby=\"heading15\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Income fluctuations can make it difficult to demonstrate financial stability, but proof of regular income and clear explanations can help overcome these challenges.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"1.1s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading16\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse16\" aria-expanded=\"true\" aria-controls=\"collapse16\">\n                                Q6: Are there specific mortgage programs or loan options for the self-employed?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse16\" class=\"collapse\" aria-labelledby=\"heading16\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Yes, some financial institutions offer mortgage programs specifically designed for the self-employed, taking into account their unique needs and financial situation.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"1.3s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading17\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse17\" aria-expanded=\"true\" aria-controls=\"collapse17\">\n                                Q7: How can I improve my chances of obtaining a mortgage as a self-employed person?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse17\" class=\"collapse\" aria-labelledby=\"heading17\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>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.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"1.5s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading18\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse18\" aria-expanded=\"true\" aria-controls=\"collapse18\">\n                                Q8: What are the specific advantages and challenges of obtaining a mortgage as a self-employed person?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse18\" class=\"collapse\" aria-labelledby=\"heading18\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Advantages include greater flexibility in managing your finances, while challenges can include the need to prove stable income and meet stricter documentation requirements.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                                <div class=\"single-widget-one wow fadeInUp\" data-wow-delay=\"1.7s\">\n                    <div class=\"w-100\">\n                        <div class=\"faq-header\" id=\"heading19\">\n                            <h4 class=\"mb-0 collapsed\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse19\" aria-expanded=\"true\" aria-controls=\"collapse19\">\n                                Q9: Is it possible to deduct business expenses when calculating mortgage income?                                <i class=\"icon_plus\"><\/i>\n                                <i class=\" icon_minus-06\"><\/i>\n                            <\/h4>\n                        <\/div>\n                        <div id=\"collapse19\" class=\"collapse\" aria-labelledby=\"heading19\" data-bs-parent=\"#accordion692bf119\">\n                            <div class=\"faq-body\">\n                                <p>Yes, certain business expenses can be deducted to reduce income.<\/p>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n    <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Self-employed You are in the right place! In a single request, Mathieu Lebrun\u2019s Team negotiates for you the best possible rate as a self-employed, with more than 30 financial institutions. Get the best rate. Fixed rate Variable rate Call one of our mortgage brokers now 514-907-4707 5 years fixed* 5 years variable* Get this rate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":15695,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-16417","page","type-page","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Multi-Pr\u00eats MR | Mathieu Lebrun&#039;s Team | Self-employed<\/title>\n<meta name=\"description\" content=\"Mortgage Solutions for self-employed workers\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hypothequerapide.com\/en\/services\/self-employed\" 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