Professionals who work for themselves encounter many obstacles when attempting to secure conventional mortgage financing. To make the mortgage process easier for our clients, EquityRich concentrates on home equity. Our equity-based mortgage solutions offer quick and easy, flexible home financing options to business owners, including independent contractors and small business owners. Our self-employed mortgage services offer a strong substitute for traditional lenders that do not require age restrictions, credit scores, or proof of income.
Self-employed mortgages in Canada provide financing solutions to business owners who need to access funds, while banks ask for extensive documentation. The documentation process for self-employed individuals becomes challenging because they must present multiple tax returns alongside business records and bank statements, which leads to extended processing times.
At EquityRich, we provide self-employed mortgages through property equity instead of income or credit checks. Your ability to qualify for a self-employed mortgage becomes simpler when you own a home because we assess your property equity instead of your financial history.
Self-employed individuals can access mortgage products that provide adaptable documentation standards. Lenders accept alternative financial records that include bank statements and proof of business ownership instead of traditional income proof.
Self-employed homeowners can use their home equity to fund business investments, operational expenses, debt consolidation, and cash flow management, which provides better control over their financial planning.
Self-employed individuals can access mortgage options with payment structures that match their income patterns through adjustable terms and interest-only payment plans that help manage seasonal revenue fluctuations.
The process of obtaining a mortgage, combined with regular payments, helps both create or enhance credit history and grow home equity over time.
Alternative lenders serve self-employed borrowers by evaluating property value instead of traditional income and credit score metrics. The financing options become available to borrowers who fail to meet standard bank requirements.
The initial step involves determining the loan amount needed and the intended use of the funds, which can be home purchase, refinancing, business, or personal equity access.
Self-employed applicants need to present financial documents to lenders for assessment. The documentation requirements for self-employed applicants differ between lenders but typically include tax returns, bank statements, proof of business ownership, and additional financial records.
The lender needs a professional appraisal to establish the current market value of the property. The appraisal process determines property value, which helps calculate available equity and establishes the loan-to-value ratio.
The lender examines the application documents and property appraisal to create mortgage terms for the applicant. The proposed mortgage terms include the loan amount and interest rate, together with repayment terms and all applicable fees.
The preparation of legal documents follows the terms agreement before they undergo review. The mortgage becomes final after all legal requirements are satisfied and the funds become available for disbursement.
Our company provides services that move beyond what conventional lenders offer. Our equity-based lending model serves as a dependable financing solution for self-employed and mortgage applicants throughout the GTA. Our private mortgage lending service stands out from others because we verify no income and have no minimum age requirement, as well as we offer flexible 75% LTV lending that focuses on your property instead of paperwork.
We provide self-employed mortgage solutions that address the needs of business owners and independent workers while bypassing traditional bank delays and complications. EquityRich serves as your trusted mortgage provider for all your needs, including reverse mortgages and private loans and second mortgages throughout Canada.
Contact EquityRich today and get approved.
We provide fast and stress-free mortgage approval options for our customers.
EquityRich.ca is a Canadian entity, operating as a referral institution. Mortgage Agents and Brokers represent Everything Mortgages (FSRA #12755)
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