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Mortgages for Self Employed Canadians.

Turned Down Elsewhere?
We Help Homeowners Ontario-Wide!

  • Self Employed Mortgage Programs
  • 1st, 2nd, 3rd Mortgages Ontario-Wide
  • Unable to Verify All of Your Income?
  • Mortgages for Recently Self-Employed
  • Commission Earner or Contract Worker?
  • Upfront & Transparent Pricing
  • Self-Employed or Unverifiable Income?

Zero Obligation.
100% Confidential.

Self-Employed Mortgages?

So, you have decided to open your own business, or have been operating your own business for some time, congratulations! Whether you have been self-employed for many years, or recently self-employed, you may have come to realize that obtaining mortgage financing isn’t exactly a walk in the park. 

Mortgage lenders typically view self-employed clients as having a higher risk profile than someone who is in a salaried position. DV Capital has a different and realistic view in the sense that self-employed individuals have an equal, if not greater potential at growing their business and generating a healthy income. 

When it comes to self-employed individuals being able to verify their income using the rigid traditional methods that bank lenders require, this is when the process starts to get a bit complicated. There are times and situations when business owners might not be able to provide evidence of all of their true earnings, either because of write-offs or if and how they pay themselves personally each year.  

DV Capital has access to very niche self-employed mortgage products that consider clients who have recently become self-employed including those who cannot provide all of the documents that their bank requires – we are often contacted once clients become overly frustrated with the hurdles that their banks ask them to jump through.

DV Capital takes a much simpler approach and helps their clients ‘cut through the red tape’ and obtain fast and flexible mortgage approvals for their self-employed clients.

We warmly invite you for a confidential discussion 7 days a week. Please feel free to ‘Call Us Now’ or ‘Apply Online’ and one of our licensed mortgage professionals will contact you right away. 

Approved Property Types.

Simple Approval Process.

What Makes Us Different?

Frequently Asked Questions.

Who is DV Capital?

DV Capital Corporation is licensed and regulated as a Mortgage Brokerage with the Financial Services Regulatory Authority of Ontario and is a corporate member of Mortgage Professionals Canada, Canadian Mortgage Brokers Association of Ontario, British Columbia and Atlantic Canada. DV Capital excels in the alternative mortgage market, a marketplace often under-serviced by traditional mortgage lenders and other mortgage providers that lack the expertise, knowledge and lender connections required to help clients cross the finish line.

What if I have imperfect credit?

We work with clients with ALL types of credit and have funded mortgages for clients without any established credit in Canada, low, average, or high credit scores, regardless of being turned down elsewhere!

What if I am self-employed?

Excellent! We have tailored mortgage programs designed specifically for self-employed individuals who might not be able to formally illustrate all of their income or have had recent slow-downs as a result of COVID-19!

What if I have been turned down elsewhere?

We have excellent success helping clients that have been turned down elsewhere as a result of the property location, property type, property zoning, property condition, as well as the income and credit profile of our client. A large portion of our clients have approached us after learning how unwilling their bank is to support their mortgage goals!

What if I'm experiencing extreme stress from juggling debt?

We have many years of experience helping homeowners eliminate their high-interest debts and payments by consolidating everything into one manageable payment and allowing them to start fresh with a clean slate!

What if my existing mortgage lender isn't willing to renew my mortgage?

Within moments of our initial discussion, we’ll be able to understand your current situation and discuss a positive game plan to promptly secure a replacement mortgage, regardless of late payments during the term of your current mortgage or credit score, provided sufficient equity!

What if my property is located in a rural or remote location?

We have many mortgage options available for individuals who own real estate in rural and remote locations including agriculturally zoned property, with acreage, and well and septic services. We have helped individuals finance their working or hobby farm, as well as second homes and cottage properties across Ontario!

What if I am battling mortgage arrears?

We are incredibly experienced with providing solutions for financial distress and have the ability and formula required to cure mortgage arrears, bring existing mortgages up to date, or promptly secure a replacement mortgage!

What if my mortgage lender is beginning the Power of Sale process?

Contact us immediately to evaluate your current situation and discuss a game plan to not only stop the power of sale and the eventual sale of your property but to also prevent further mortgage and legal fees that will erode your hard-earned home equity. We have over a decade of experience handling these matters and are well equipped with professional partners including real estate lawyers well versed and willing to assist with the matter at hand.

What if I require a large mortgage amount?

Provided sufficient equity, we are happy to help clients with loan amounts ranging from $20,000 to well above $5,000,000!

What if I'd like to complete home renovations?

Excellent! We’ve assisted clients finance their renovation projects for their own self-enjoyment, to renovate a basement for rental income, fix-n-flips, ground-up construction and to build an addition to an existing property!

What if I'd like to discharge a consumer proposal or bankruptcy?

You’ve come to the right place! We have helped clients discharge their consumer proposal and or bankruptcy allowing them to begin their credit re-establishment journey!

Client Testimonials.

Industry Affiliation.

Call / Text Now:

DV Capital Corporation ~ FSRA Lic. 13186

*Thank you for providing DV Capital with CASL expressed consent to contact you electronically for mortgage-related purposes.