Here at OMJ Mortgage, our experts will work with you to customize the best mortgage loan solution that includes the lowest mortgage rate. It doesn't matter if you're buying your first home, refinancing an existing property, consolidating debts or if you just need money for any other purpose. We want to help.

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Self Employed

Self-employed Canadians are a large part of our economy, but it’s hard for this growing demographic to get a mortgage through a chartered bank. We understand this at OMJ Mortgage and that’s why we’ll work with our preferred lenders to find a product that’s just right for you.

For The Self Employed, There are two mortgage options available:

            i) The Low Docs Mortgage- SELF EMPLOYED

Here you purchase a new property at up to 90% of its value or refinance your existing home at up to 85% of its value. No true income is required here; the lender’s approval is based on your credit rating and business activities rather than your actual net income.
           
                       
            ii) Non-Income Qualifier Mortgage- SELF EMPLOYED

With the No Income Qualifier Mortgage, you can purchase a new property or re-finance your existing home up to 75% of its value. A self-employed client with a clean credit history will receive the lowest rates available in most cases.

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