Self-employed business owner — private mortgage for entrepreneurs Ontario

For Business Owners & Entrepreneurs

Mortgages for Self-Employed Business Owners in Ontario

The story behind your numbers is bigger than what your tax return shows. PMC qualifies based on what you actually earn — not just what you report after write-offs.

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account_balance$1B+ Funded for Business Owners
verifiedFSRA-Licensed
routeExit Strategy on Every Deal

The Core Problem

Why Banks Say No to Business Owners

Banks are built for T4 employees. Their algorithms measure income by what you declare after deductions — meaning every dollar you legitimately save on taxes is a dollar subtracted from your mortgage qualification.

A business generating $500K in revenue might report $120K in taxable income after expenses, depreciation, and write-offs. The bank approves based on $120K. PMC looks at $500K — and the real picture beneath it.

This isn't a problem with your business. It's a limitation of how traditional lenders assess income.

Bank

Net taxable income only

PMC

Gross revenue + actual cash flow

Bank

2+ years of NOAs required

PMC

Bank statements, contracts, financials

Bank

Treated as losses / red flags

PMC

Recognized as smart tax management

Bank

Complex corps declined

PMC

All structures assessed holistically

Built for Every Business Structure

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Sole Proprietors

Contractors, consultants, tradespeople operating under their personal name.

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Incorporated Owners

Owners paying through salary, dividends, or a combination.

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Partnerships

Business partners with shared ownership and complex income flows.

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Gig & Freelance

Platform workers and contract professionals with variable but consistent income.

The Long Game

Your Exit Plan: Back to Conventional

A PMC self-employed mortgage is a bridge — not a permanent solution. We structure every deal with a clear plan to transition you to conventional financing once your documentation catches up with your actual earnings.

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1

Now

Private Mortgage

Capital based on actual cash flow. Clear terms, exit plan defined.

2

6-12 months

Documentation Builds

File 1-2 years of T1 returns. PMC provides income presentation guidance.

3

12-24 months

B-Lender Transition

Move to a trust company or B-lender — lower rates than private.

4

24+ months

Conventional Financing

Qualify at a major bank at the best available rates.

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$1B+

Business Owner Deals

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6,500+

Total Deals Funded

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2×

Broker of the Year

verified

FSRA

Licensed Brokerage

Self-Employed Mortgage Questions, Answered

Your Business Deserves a Lender Who Gets It

Tell us about your situation. We'll respond the same business day with a real assessment — not a generic decline.

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What type of financing do you need?

Select option that best describes your situation

FSRA-Licensed · We Assess What Banks Won't · Dalia Barsoum, 2× Broker of the Year