MORTGAGES FOR THE SELF-EMPLOYED

Experts in dealing with the restrictions around being Self-Employed, sunlitemortgage.ca can help with a Home Purchase, Second Mortgage, Refinance, or Commercial loan no matter your income or credit.

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ARE YOU SECOND SELF-EMPLOYED OR HAVE NO REPORTABLE INCOME?

IF YOU’RE HAVING TROUBLE GETTING

APPROVED FOR A MORTGAGE OR

COMMERCIAL LOAN THOUGH ONE OF

THE BIG BANKS OR TRUST COMPANIES,

YOU ARE NOT ALONE.

Over the last number of years, big banks and traditional lenders have implemented several very strict lending rules to crack down on mortgages for those who are self-employed entrepreneurs with no reportable income.

These tighter rules can affect your business quite negatively – but this is where Sunlitemortgage and alternative lenders can get you the mortgage solution that is right for you and your business. 

SUNLITEMORTGAGE IS NOT AFFECTED BY STRICT MORTGAGE RULES

1-866-I CAN LEND (422-6536)

Canada’s tighter lending rules only impact those who turn to banks. Non-traditional, alternative lenders are not bound by the same mortgage rules. That’s a fact that’s becoming more evident to an increasingly larger percentage of the population.

Canadians are now turning to mortgage brokers like Sunlitemortgage who work with these alternative lenders for no-income mortgages in the Greater Toronto Area. Upwards of 15% of all mortgages originate with non-traditional lenders – a share of the market that has grown significantly since the 2008-2009 recession.

Mortgage brokers who deal with private and alternative lenders fill an important void left by the highly regulated banks by giving potential borrowers the chance to secure a self-employed mortgage or no-income mortgage.

GETTING A MORTGAGE FROM SUNLITEMORTGAGE.CA

If you’re an entrepreneur and are being prevented from getting on the property ladder by the big banks, the independent, licensed mortgage agents at Sunlitemortgage.ca can help. 

Our agents have access to many institutions and private lenders – many of whom specialize in lending to those who are self-employed, single income earners, or simply do not qualify against the bank’s stricter terms.

The alternative lenders that we work with understand that those who are self-employed look for ways to minimize their taxable income. If your income doesn’t meet the unreasonable requirements set forth by the big banks, we can find other lenders that are willing to step in and help you secure a no-income mortgage. 

THE SUNLITEMORTGAGE ADVANTAGE

STREAMLINED

MORTGAGE PROCESS

PERSONALIZED SOLUTIONS

THAT GET APPROVED

EXPERTS THAT WORK

FOR YOU

Proof of income can be difficult to verify for those who are self-employed. The stricter lending rules have led the big banks to want to see as much documentation as possible. Sunlitemortgage streamlines the mortgage process and can get you approved for a home equity loan or line of credit usually within 24 hours.

We also understand that there is more to getting a mortgage than just finding one with the lowest interest rates – although that’s certainly important – since a lower interest rate will help you save tens of thousands of dollars over the life of the mortgage.

The licensed mortgage professionals at Sunlitemortgage.ca want to make sure you understand every aspect of the mortgage process, every step of the way. This includes working out the best amortization period, choosing a fixed or variable rate, and deciding on the best repayment plan for you. It also means that we go over the fine print, making sure you understand the terms and conditions together with any additional fees or penalties.

SEE THE GREAT THINGS OUR CLIENTS SAY ABOUT US:

Clients

quick response

Thanks to Stalin who made everything happen with ease. He was always available to answer all our questions and concerns and was able to make the process so much easier.

Maria marticorena

Lawyer
Clients

amazing

I have been dealing with Matthew Waylett to arrange a second mortgage. During the process, I had some other events happen in my life, which kept me from focusing on the task. Matthew was exceptionally patient and diligent during the entire process. I can recommend Matthew without hesitation. His dedication & efficiency were very much appreciated!! Keith

Keith Elliott

Web Developer
Clients

Very Helpful

Awesome experience, Stalin helped immensely, highly recommend 🙂

Robert Gairdner

Editor and Publisher
Clients

Greate Service

Thank you Shamus for your quick response and looking after us in a professional manner. We would highly recommend you to family and friends.

Debbie Tito

Businessman