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Self-employed mortgages in Ontario

Mortgage Help for Ontario Self Employed & Business Owners

Self-employed, contractor, and freelancer files in Ontario. Alex reads the return and the business, then tells you which door is open.

How Alex helps

  • Self-employed mortgages in Ontario
  • Business owners, contractors, and freelancers
  • Purchase, refinance, or pre-approval
  • Bank statements count, not only the tax return
Alex Seleznev

Self-employed file review

2 minutes. No obligation.

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Alex Seleznev

Alex SeleznevMortgage Agent Level 2

  • 8+years in mortgages
  • Level 2Ontario licence
  • 1,000+families helped
  • $0to review the file

Helps with

What Alex helps with.

  • Purchase
  • Refinance
  • Renewal
  • Pre-approval
  • Equity take-out
  • Debt consolidation

Client experiences

Files other people had already closed.

4.9 from 80 Google reviews

Sean M
November 2025 · Google review

For years, we were told that getting out of our current B-lender situation would be impossible — that we were essentially “stuck” with no path forward. Alex proved that wrong. His expertise and commitment led us to something we honestly didn’t believe was possible: securing a mortgage with a top lender.

Kateryna Gogina
July 2026 · Google review

I came to him after already being rejected, and he really helped me turn things around. Not just getting the mortgage approved, but guiding me through the whole process step by step. He was always available, stayed in touch, and answered all my questions.

Lana
August 2026 · Google review

He secured us an excellent mortgage rate for our new home, helped us arrange a home equity solution, and made what could have been a stressful process feel straightforward and manageable.

Rick Ummat
May 2026 · Google review

I recently worked with Alex to refinance my mortgage and couldn’t be happier with the experience. What really impressed me was the rate he was able to secure — genuinely better than anything I had found on my own or been offered elsewhere.

July Dikushina
May 2026 · Google review

Buying a first home is both an exciting and deeply stressful life experience, and I am truly grateful that I had Alex guiding me through it. No question ever felt too small, and even the most complicated parts were explained in a clear and reassuring way.

Jacqueline Kuo
May 2026 · Google review

Alex was incredibly supportive and patient with us as first-time buyers. It was clear that he’s very knowledgeable and thorough in his work. We had a great experience working with Alex.

Who it’s for

Who Alex helps.

  • Incorporated ownersA corporation, dividends, and the tax return a bank actually reads.
  • Sole proprietorsIncome in your own name, with the deposits behind the return.
  • ContractorsIndependent contractors, including contract, draw, and licence income.
  • FreelancersInvoice and commission income that does not look like a T4.

Questions

A few questions, answered.

Will this form affect my credit score?

No. The form does not pull credit. A lender pull happens later, only if you agree to an application.

What does the review cost?

Nothing. If a lender fee applies later, you see it before you commit.

I write everything off. Is that a problem?

It is a problem for a bank that stops at the tax return. Alex reads what you declared and what the business took in, then says which path can use the stronger number. That is not an approval.

What is a bank-statement or stated-income mortgage?

A bank-statement file uses business deposits, often about 12 months, as part of the income picture. Stated income means a lender may accept a declared figure the business can support, instead of only the taxable line. Both are still underwritten. Neither is a no-document mortgage.

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