Yet when it comes to securing a mortgage, this hardworking group is often met with roadblocks from traditional banks.
At Lendworth, we believe in solutions—not limitations. That’s why our equity-based lending model is specifically designed to empower self-employed Canadians to access mortgage financing quickly and efficiently.
The Problem: Traditional Mortgage Barriers
Conventional lenders typically demand:
- T4s or NOAs showing consistent income over 2–3 years
- Stable, salaried employment
- High net income declarations (after taxes and deductions)
This excludes many otherwise qualified borrowers, including business owners who reinvest profits, professionals using dividend structures, and freelancers with variable income streams.
The Solution: Equity Over Income
Lendworth doesn’t base approvals on your employment type—we focus on what really matters: the value of your property and the strength of your overall financial profile.
Our equity-based approval process considers:
- Current market value of your property
- Existing equity and loan-to-value (LTV) ratio
- Your credit history and business success
- Practical exit strategies for repayment
This makes it possible for self-employed borrowers to qualify—often without the mountains of paperwork required by banks.
Who We Help
Lendworth has proudly supported:
- Entrepreneurs starting or scaling a business
- Realtors and real estate investors
- Construction trades and service professionals
- Digital freelancers and online business owners
Whether you’re purchasing, refinancing, consolidating debt, or investing in real estate, we provide flexible lending solutions tailored to your needs.
Benefits of Partnering with Lendworth
- No T4s or traditional income proof required
- Fast turnaround on approvals and funding
- Personalized service from mortgage specialists who understand self-employed clients
- Confidence and clarity throughout the lending process
Get the Financing You Deserve
Being self-employed shouldn’t mean being sidelined. With Lendworth’s equity-based approach, you gain access to smart mortgage solutions built around your reality—not someone else’s rules.
Start your application today and experience lending that works for you.