Cannect | Brokerage No. 13079
416.766.9000

For Self-Employed Canadians

Self-Employed?
Put Your Home Equity to Work

Your income is more than a paystub. We help present your business income to lenders and compare mortgage refinancing options to access your home equity.

Get My Free Refinance Review   →

Free review. No obligation.

Salaried Mortgage SpecialistsOur mortgage specialists earn a salary, not a commission. Their focus is understanding your goals, explaining your choices and helping you find the right mortgage solution, with advice that puts you first.
$8 Billion in Funded MortgagesSelf-employed income deserves an experienced team. We help present your business income, navigate lender requirements and compare the full cost of accessing your equity, with guidance from your first questions through to funding.
Canada’s Largest Lender NetworkWe shop across lenders and negotiate on your behalf, giving you more choice than a single bank’s products. We compare rates, terms and lending requirements to find a mortgage that fits your circumstances.

Make Your Income Work for Your Mortgage

A refinance plan built around your business, your home and your next move.

Show the Full Income Picture

Your tax return may not tell the whole story. We help present business financials, bank statements and eligible expense adjustments so suitable lenders can assess how you earn.

Put Your Home Equity to Work

Access equity to invest in your business, consolidate higher-interest debts or fund a planned expense. We compare refinancing options around your goals and the mortgage you already have.

Plan Around Your Cash Flow

Seasonal work and uneven income deserve a considered payment plan. Compare payments, borrowing costs and repayment terms with a specialist who understands the way your business operates.

Get My Free Refinance Review   →

Free Review. No Obligation.

What Our Clients Say

Five-star Google reviews from one of our Toronto offices

★★★★★GoogleReview
“…being self-employed made getting a mortgage pretty complicated. …the people there helped me through every step of the way.”

Sara T.

Read the full review on Google ↗
★★★★★GoogleReview
“Dealt with Mat Kerr. He was absolutely phenomenal in refinancing my mortgage and unlocking my home equity.”

Sean

Read the full review on Google ↗

Get My Free Refinance Review   →

Free Review. No Obligation.

A Short Form, a Real Conversation

Here’s what happens after you request your free refinance review.

  1. Your Specialist Reaches Out

    A Cannect mortgage specialist contacts you to understand your goals and answer your questions. You’ll discuss how you earn, what you want to do with your equity and the mortgage you already have.

  2. We Work Through the Details

    Your specialist explains the information lenders need and helps compare suitable options. You’ll understand the proposed payment, fees and repayment terms before deciding.

  3. You Choose the Next Step

    If you choose to proceed, we guide you through the documents and lender application. You’ll know what’s needed at each stage, with a specialist to turn to along the way.

Get My Free Refinance Review   →

Free Review. No Obligation.

Your Questions, Answered

Can you help if I don’t own a home yet?

Yes, if you’re looking to buy a home. Select “No” when asked if you own a home, then “Yes” when asked if you’re looking to buy. If you haven’t found a property, tell us your intended location and budget. We don’t offer personal or unsecured loans.

Can I get a mortgage if my income changes month to month?

Lenders assess business and variable income in different ways. We help explain your earning history and identify lenders whose requirements fit your situation, with the supporting documents they need.

What documents will I need?

Requirements vary by lender and mortgage. They may include tax returns, notices of assessment, business financial statements, bank statements or contracts. Your specialist will explain what applies to your situation.

Is this an approval or a rate quote?

No. This form requests a free review. A specialist will discuss your goals, income and property before explaining suitable options, pricing and application requirements.

What does the free review include?

A conversation about your mortgage goal, a review of your situation and guidance on suitable options and next steps. There is no obligation. Financing costs and fees may apply if you proceed.

Ready to Put Your Home Equity to Work?

Get My Free Refinance Review   →

Free Review. No Obligation.

Get My Free Refinance Review →