Mortgage for self-employed workers
Getting a loan as a self-employed person
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Declared income and eligibility
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Required documents for approval
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Alternatives to proof of income
Tailored financing solutions
Fixed-rate or variable-rate loans
As with any mortgage, you can choose between a fixed rate (payment stability) or a variable rate (potential savings but more risk). The choice depends on your financial goals and your risk tolerance.
Partner institutions
We work with several lending banks and alternative lenders to help find you a mortgage solution without traditional salaried employment. This also includes programs for freelancers, professionals in private practice, self-employed workers, and entrepreneurs.
Examples of accepted profiles
Freelancers with variable income but stable banking history. Independent professionals with tax returns and long-term contracts. Entrepreneurs with solid financial statements, even when taxable income is tax-optimized. Self-employed workers reporting regular income through recurring invoicing. Independent consultants with renewable mandates from corporate clients. Small business owners generating positive cash flow despite modest personal compensation.
Why choose JA Hypothèques
Flexible support
We understand the realities of self-employed workers: irregular income, special tax considerations, and a larger down payment sometimes required. We build a tailored application that highlights your financial strengths.
Expertise in atypical cases
Our experience with no-pay-stub financing and unstable income allows us to advocate for your application with lenders. We guide you step by step, from the loan application to the final negotiation.
