Self Employed Mortgage Broker Rates : Mississauga Toronto

Best Rates & Mortgages For Self Employed

My team of Licensed Mortgage Brokers will search over 100 lenders to get you the best deal for self employed and mortgage rates that best fit your self employed needs. We deal with new mortgages, refinancing, and many special situations.

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Mortgages For Self Employed
What’s Your Story?

Self Employed & Rate-Shopping

You have an approval from your bank but you feel that there are better deals out there. Let us know what rate to beat, and we’ll beat it, simple as that! We’ll even help you lower that government insurance premium you probably didn’t know about.

Self Employed Less Than 2 Years

If you have been self employed for less than 2 years or just opened your business. Don’t bother applying at your bank. Your only option is to seek help from a mortgage broker, we have solutions to get you into real estate, we can help, let’s talk!

I Can’t Prove Income

Can’t prove your real income? Many banks treat self-employed and commission sales as second-class citizens. Luckily we know lenders that want your business without sacrificing your rate.

I want to Refinance or Renew

Whether your mortgage is up for renewal or not. We will refinance your existing mortgage while providing you additional funds to consolidate, invest, etc. at the lowest self-employed rate up to 80% of your home and save you money in the long-term.

I just started a new business

The big-5 banks won’t approve you because you just started a new business. Don’t get discouraged. We have a lender that will accept your new business, let’s talk!

I have Bruised Credit

If your credit history is not perfect and you’re self employed, you can still get a good mortgage rate. We can find an lender that will look at your overall situation, not just your credit score. 

Buying a Rental or Second Home

The big-5 banks will structure your self employed mortgage exactly how you tell them, however, what you say may work against your rate or insurance premium. We have creative solutions to work in your favor. Let’s talk!

Need a Private or Second Mortgage

Look no further! We have 20+ private and 30+ second mortgage options to get you the best deal with a close eye on mortgage rates – Up to 90% of the value of your home!

In addition to consolidating debt and home equity loans, there are more self employed products we offer. And it’s all FREE.


With all the changing mortgage rules, one fact remains the same: Securing a mortgage for a self-employed individual is do-able however it is not as straight forward as a salaried individual. The main reason is that a self-employed individual’s income is not guaranteed and not as transparent to prove. For example, self-employed individuals are responsible for paying their own taxes and are not taxed at source, therefore they are more inclined to expense as much as they possibly can to pay as minimal taxes as possible. However, lenders are not very understanding of this concept. For most self-employed mortgages common documents lenders require to verify income are previous personal Notice of Assessments (usually the past two years) to ensure no taxes owing and to see how much was claimed. Clients who are able to provide such documents with satisfactory credit rating and a down payment can access similar mortgage rates and products to clients who are salaried. Contact a Search Mortgage Corp agent to discuss self-employed mortgage options today!

Jason found a more flexible mortgage

“I would use Search Mortgage again for any future mortgage needs. They are very knowledgeable and always returns my calls. He put me in a mortgage that was half line of credit, half mortgage, I had no clue this product even existed!”

Jason Nylund, Toronto

Compare industry 5-Year Fixed mortgage rates as of





Don’t Just Take Your Bank’s “Exclusive Rate”.

5 Reasons To Shop Around With A Broker:

Better Mortgage Rates

Rarely the Lowest Rates – If you’re looking for the lowest rates, chances are your big-5 bank will not have it. The lowest rates are usually offered by financial institutions and financial institutions only work with the mortgage broker channel, therefore, consumers cannot go directly to these financial institutions to get these ultra-low rates, you must use a mortgage broker!

Did You Know…that TD has the highest prime rate of the big-5 banks? This means although their variable might be advertised at Prime minus .5% however, their prime rate is actually higher than everyone else, misleading, don’t you think!?

Let us shop around – We can often get better deals than you at your own big-5 bank. We negotiate special group rates for our clients as well we can use our commission to get you an even lower rate. A broker can save you thousands. In most cases, we can even guarantee the lowest rate!

Second chances – Even if you’re turned down by a big-5 bank, we might still get you a deal with an A-lender (bigger banks that offer better rates). How? We know which lenders use which rules to qualify you.

Know Disadvantages Of Ultra-Low Rates – A low rate can be deceptive. You might get a low rate on your mortgage, but if you sell early or refinance, your bank may punish you using a higher posted rate. We can find you the same rate without that risk. Or we can find you a better mortgage altogether that will serve you better. Sometimes a higher rate can save you money in the long term or improve your cash flow in the short-term.

More Mortgage Options

We have relationships with over 100 lenders. We can find you diverse and flexible options not offered by the big banks.

Here are some ways we’ve made our clients’ mortgages more flexible:

Count a greater % of your rental income Purchase with as little as 5% down

Pay Interest-Only = More cash in your pocket 35-Year Am Mortgages

Mortgage & Credit-Line Combo Non-Provable Income.


One Institution, One set of products – Utilizing a mortgage broker gives you access to an array of lenders, hence pinpointing what is vital to you, the consumer, and securing the product. When going to one of the big banks there are so many other products, rates, and terms that are not available to you. One financial institution can only work within their guidelines and fit you in a box that you might necessarily not fit in.

1 Credit Check = 100+ Lender Options & Save Your Score

Get more options and protect your credit score. Every bank you get a quote from will run a credit check, which will lower your credit score. When we shop around for you, we’ll do a single credit check so we don’t hurt your credit score, even if we’re checking dozens of lenders.

Highest Penalties & Highest Pressure Sales

Highest Penalties – The Big-5 banks have the highest payout penalty out of all A-lending mortgage institutions. If you were to break your mortgage to refinance or sold your home, the big-5’s penalty is based on the interest rate difference (money they lost) on the posted rate vs. the real rate you received. Banks show a “posted rate” usually 2% higher than what you would really get and say “because you’ve been banking with us for X years, we’re going to discount our posted rate of 4.74% to 2.74%” but in fact, the real reason is to gauge you if you ever decide to break your mortgage.

High-Pressure Sales – In a recent article by CBC, thousands of employees from all big-5 banks have come forward about management forcing unrealistic sales quotas, unethical sales tactics and in turn, putting clients in the wrong financial product. You must remember these financial planners are also selling RRSP’s, GIC’s, Visa’s as well as mortgages. They don’t work full time in mortgages and therefore won’t be able to service you the way you should and offering products that you should be in saving you thousands.

Our Mortgage Rate Shopping Services Are FREE

We get paid a commission by the bank where you get your mortgage, but we don’t work for banks. We are not loyal to any bank or lender. We work for you. That’s why we’ll sometimes use our own commission to buy down your rate – so you get an even better mortgage rate!

Beware The Cheapo, Zero Service Guys

Some companies will drop their rates below competition to the point that they have no money left to offer any service. Your mortgage is important. Avoid sloppy or last-minute paperwork. We’ve seen it, and trust us. You want this to go smoothly.

When you get a mortgage through us, we take care of everything. We ask for documents upfront, so it’s all ready for the big day. No last minute surprises.


Our Rate And Approval Guarantee

We want you to get a mortgage that meets your needs rather than worry about a rate.
That’s why we’ll beat any rate you see.

Even if 30 days from now you find a lower rate, we’ll beat it.
Everyone gets approved! And you will not have to sacrifice on service.

Ready To Talk About It?

We’ll look at your unique situation and offer 2-3 options for you to think about. We work with only licensed and insured lenders. A smaller lender can offer a better mortgage than your big bank.
Shop around!

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    Get help from Sterling Wong and his team of licensed
    mortgage specialists…Finance the Smart Way!

    Toll-Free: 855.241.RATE (7283)

    416.993.7653 ext.3

    Search Mortgage Corp.
    50 Village Centre Pl. Suite 100
    Mississauga, Ontario L4Z 1V9
    Br#12652 : Lic#M08008042

    Mortgage Rates : Apply Now : Contact Us