{"id":591,"date":"2023-01-14T08:46:00","date_gmt":"2023-01-14T08:46:00","guid":{"rendered":"https:\/\/mortgagestogo.ca\/blog\/?p=591"},"modified":"2023-02-02T17:10:02","modified_gmt":"2023-02-02T17:10:02","slug":"5-tips-for-getting-a-mortgage-when-you-are-self-employed","status":"publish","type":"post","link":"https:\/\/mortgagestogo.ca\/blog\/5-tips-for-getting-a-mortgage-when-you-are-self-employed\/","title":{"rendered":"5 tips for getting a mortgage when you are self-employed | MORTGAGESTOGO.CA"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lccf19a8-5b7b8d09751b4a99c5ff88f4466a989b\">\n#top .av-special-heading.av-lccf19a8-5b7b8d09751b4a99c5ff88f4466a989b{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lccf19a8-5b7b8d09751b4a99c5ff88f4466a989b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lccf19a8-5b7b8d09751b4a99c5ff88f4466a989b .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lccf19a8-5b7b8d09751b4a99c5ff88f4466a989b av-special-heading-h1 blockquote modern-quote modern-centered  avia-builder-el-0  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >5 tips for getting a mortgage when you are self-employed<\/h1><div class='av-subheading av-subheading_below'><p>Are you self-employed and looking to buy a home? Here are five tips that will help you get approved for a mortgage.<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<section  class='av_textblock_section av-lccf847w-6364979b6071d47175b85a4aa74303da'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">If you&#8217;re self-employed and want to get a mortgage, here are 5 tips to help you get approved:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Organize your financial paperwork<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Ensure you have a high credit score<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Show your income with tax returns<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Prove that you have a reliable income<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Save up for a larger down payment.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Introduction<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you work for yourself, you may have realized that it&#8217;s more difficult to get a mortgage than it is for someone who is employed by another person. Here are 5 pieces of advice to help you secure a mortgage when you&#8217;re self-employed:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Organize your financial paperwork<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When you are self-employed, it is important to keep your financial documentation in order. This will give the lender a clear picture of your income and expenses. Make sure you have your tax returns for the last 2-3 years, as well as bank statements and other financial documents.<\/span><\/p>\n<ol start=\"2\">\n<li><span style=\"font-weight: 400;\"> Make a large down payment<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you can, try to get a large down payment. This will demonstrate to the lender that you&#8217;re earnest about purchasing the property and have the financial means to do so.<\/span><\/p>\n<ol start=\"3\">\n<li><span style=\"font-weight: 400;\"> Find someone to cosign for you<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you can&#8217;t come up with a significant down payment, look into getting a co-signer. This individual will be held accountable for the loan if you stop making payments. Choose someone with excellent credit and who is in a good financial position.<\/span><\/p>\n<ol start=\"4\">\n<li><span style=\"font-weight: 400;\"> Compare lenders to find the best deal<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When you&#8217;re self-employed, not all lenders are created equal. Make sure to compare rates and terms from different lenders before making a decision.<\/span><\/p>\n<ol start=\"5\">\n<li><span style=\"font-weight: 400;\"> Be ready to incur a higher interest rate<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Interest rates for mortgages tend to be higher for self-employed individuals than for those who are employed by others. You may need to pay a higher rate, but don&#8217;t let this stop you from getting the loan that you need!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why is it difficult to get a mortgage when you are self-employed?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although there are several advantages to being self-employed, it can make it more complicated to get a mortgage. Lenders are often unwilling to give mortgages to self-employed individuals because they don\u2019t have the same job security as those who work for someone else. If you\u2019re self-employed and want to get a mortgage, here are five tips that may help:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Gather the required documentation to prove your income. This may include tax returns, bank statements, and other forms of documentation.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Save up a large down payment. A bigger down payment demonstrates that you&#8217;re invested in the property and less likely to default on the loan.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Go with a shorter loan term. You&#8217;ll pay the loan off quicker and are less likely to default if you choose a shorter loan term.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Find a co-signer. If you can&#8217;t qualify for a mortgage by yourself, look for someone who is willing to co-sign the loan with you.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Think about borrowing from alternative lenders. Some lenders focus on loans for self-employed people and may be more likely to work with you than traditional banks or credit unions.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Tips for getting a mortgage when you are self-employed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Self-employed individuals may have more difficulty than those with regular employment in getting a mortgage. Lenders may be hesitant to give money to someone whose income is less consistent, and it may be harder for self-employed people to prove their earnings. However, there are a few things that can make it easier for the self-employed to get a mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re self-employed and in the market for a mortgage, use these five tips to help you secure financing:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Keep meticulous records of your income. Be sure to have documentation like tax returns and financial statements that demonstrate your income. This will make it simpler for a lender to confirm your income and give you a loan.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Save up a large down payment. You won&#8217;t need to borrow as much money if you have a larger down payment, and it may be easier to get approved for a loan.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Find a co-signer. If you can&#8217;t qualify for a loan by yourself, you may have better luck if someone else co-signs the loan with you. This person will be held accountable for the loan if they can&#8217;t pay it back, so make sure to choose someone who is in a good financial position and has a good credit score.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> An adjustable-rate mortgage may be a good option. Adjustable-rate mortgages usually have lower interest rates than fixed-rate mortgages, making them ideal if you think your income will go up in the future. Be mindful that your interest rate could rise after the initial period, so make sure you could manage a potential increase before getting this type of mortgage.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Locate a reputable mortgage broker. Mortgage brokers have relationships with multiple lenders and can help you find the most competitive mortgage loan. They can also assist you in getting pre-approved for a loan and can answer any questions you have during the process.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">How to make your application more attractive to lenders<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Self-employed individuals often have a more difficult time than others when trying to prove their income to lenders in order to get a mortgage. Lenders need to see evidence that you have a dependable income and can manage mortgage payments over the long term.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a few things you can do to make your application more attractive to lenders:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Make sure you have a strong credit score.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Show that you have a steady income and employment history.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Demonstrate that you have a good history of making payments on time.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Ensure that you have enough documentation to verify your income. This can come in the form of tax returns, financial statements, and bank records.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Maintain a strong credit score. The higher your credit score, the more likely lenders will view your application favourably.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Put down a larger down payment. A heftier down payment communicates that you are earnest about purchasing a home and have the financial resources to do so.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Get a mortgage pre-approval. This can give you more negotiating power when making an offer on a home and also demonstrates to lenders that you are serious about purchasing a home.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> If you have difficulty demonstrating your income or have other negative factors in the eyes of lenders, look for a cosigner to help guarantee the loan.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Other options for financing your home<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re self-employed, there are a few things you can do to make sure you get the best mortgage rate possible.<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Get pre-approved for a loan. This will assist you in shopping for a mortgage and give you a clearer understanding of the interest rates you could qualify for.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Get your financial paperwork in order. This means your tax returns, profit and loss statements, bank statements, and any other financial documents a lender could request.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> To qualify for a mortgage, you may want to use alternative sources of income. These could include money from investments, child support, or alimony payments.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> If you can, get a co-signer for your mortgage. This can help improve your chances of qualifying for a loan and getting a lower interest rate.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> To get the best mortgage rate and terms that fit your needs, shop around with both traditional lenders and online lenders. By doing this, you can be sure to get the best deal possible.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are several things that self-employed individuals can do to improve their chances of being approved for a mortgage. Keep in mind that you may face unique challenges as a self-employed individual when applying for a mortgage. However, there are several things that you can do to improve your chances of being approved.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To start, confirm that you have a comprehensive business plan and a successful track record. Lenders will want to observe that you have a proven record of operating a prosperous business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be prepared to provide documentation of your income and expenses. This will help the lender see that you are capable of repaying the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another way to make yourself a more appealing borrower is to lower your debt-to-income ratio by either increasing your income or paying off debts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another thing to consider is using a cosigner or collateral to get the loan. This will make the lender feel more secure and increase your chances of being approved.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember that self-employed individuals often have to put down a larger down payment than other borrowers. This is because lenders view self-employed borrowers as higher risk. Putting down a larger down payment will help to offset this risk and make you a more attractive borrower.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Further reading\/resources<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re self-employed, you&#8217;ll have to go the extra mile to get a mortgage. However, it is possible to be approved for one if you&#8217;re prepared and take a proactive approach to your application.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Use these tips to get started:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Organize your documentation<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Do your research to find the best lender for you.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Be ready to make a bigger down payment<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Have a comprehensive business plan<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Don&#8217;t hesitate to negotiate<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">It&#8217;s important to shop around for the best mortgage rate when you&#8217;re buying a home. There are a lot of different lenders out there, and each one offers different rates. You&#8217;ll want to compare rates from a few different lenders before you make a decision.<\/span><\/p>\n<p><a href=\"https:\/\/mortgagestogo.ca\/mortgage-application\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-596\" src=\"https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now-300x101.png\" alt=\"\" width=\"1069\" height=\"360\" srcset=\"https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now-300x101.png 300w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now-1024x346.png 1024w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now-768x259.png 768w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now-705x238.png 705w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2023\/01\/apply-now.png 1129w\" sizes=\"auto, (max-width: 1069px) 100vw, 1069px\" \/><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-592 aligncenter\" src=\"https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-300x300.png\" alt=\"self-employed mortgage\" width=\"300\" height=\"300\" srcset=\"https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-300x300.png 300w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-1024x1024.png 1024w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-150x150.png 150w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-768x768.png 768w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-36x36.png 36w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-180x180.png 180w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-705x705.png 705w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1-600x600.png 600w, https:\/\/mortgagestogo.ca\/blog\/wp-content\/uploads\/2022\/12\/Untitled-design-3-1.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">MortgagesToGo.ca<\/td>\n<\/tr>\n<tr>\n<td>Website<\/td>\n<td><a href=\"http:\/\/mortgagestogo.ca\/\">Mortgagestogo.ca<\/a><\/td>\n<\/tr>\n<tr>\n<td>Services<\/td>\n<td>New purchase, refinancing and equity takeouts, mortgage transfer, mortgage renewal Rates<a href=\"https:\/\/mortgagestogo.ca\/mortgage-rates\/\">\u00a0<\/a><\/td>\n<\/tr>\n<tr>\n<td>Rates<\/td>\n<td><a href=\"https:\/\/mortgagestogo.ca\/mortgage-rates\/\">https:\/\/mortgagestogo.ca\/mortgage-rates\/<\/a><\/td>\n<\/tr>\n<tr>\n<td>Address<\/td>\n<td>12 Royal Vista Way NW #1110, Calgary, AB T3R 0N2<\/td>\n<\/tr>\n<tr>\n<td>Contact Details<\/td>\n<td>(888) 888-5998<\/td>\n<\/tr>\n<tr>\n<td>Operating Hours<\/td>\n<td>Monday \u2013 Friday 9 AM \u2013 5 PM<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Are you self-employed and looking to buy a home? Here are five tips that will help you get approved for a mortgage.<\/p>\n","protected":false},"author":3,"featured_media":592,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[12],"tags":[104,21,20,103],"class_list":["post-591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-getting-a-mortgage-while-self-employed","tag-mortgage-basics","tag-mortgages","tag-self-employed-mortgage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 tips for getting a mortgage when you are self-employed | MORTGAGESTOGO.CA - Mortgagestogo.ca Blog<\/title>\n<meta name=\"description\" content=\"Are you self-employed and looking to buy a home? 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