It's far to common that self-employed applicants whose primary income is derived from commissions or tips, are rejected by banks or forced to accept a smaller mortgage then what they can afford, simply because they do not have a steady paycheck. Let Home Loan Direct help you overcome these obstacles.

The banks are very risk-averse, meaning they are only prone to make very low risk mortgage loans. If you cannot show the bank three consecutive T1 Generals or a steady stream of pay stubs with a letter of employment stating that you earn x amount of dollars per year and have been employed for x amount of time, you are not considered to be “qualified” for a mortgage, even though as a self-employed person your income is probably higher than stated.

The banks excel at giving very simple loans to very simple people, people who work the exact same 9-5 job Monday to Friday and earn the exact same amount on every paycheck. At Home Loan Direct, we prefer to take a more interesting approach to things. We examine each applicant in-depth, and structure our mortgage loans to fit your needs. Check out our different loans to see which one will work best for you.

If you've had enough of the constant hassle of mortgage shopping, fill out our simple and no-obligation application now, or talk to one of our mortgage specialists to learn how Home Loan Direct can help you.

Home Loan Direct lends across Canada, specifically, but not limited to the Greater Toronto Area (GTA):

Toronto, Thornhill, Vaughan, Woodbridge, Richmond Hill, Scarborough, Etobicoke, Aurora, Newmarket, Markham, Stouffville, Unionville, Pickering, Ajax, Whitby, Oshawa, North York, East York, Oakville, Muskoka, Niagara, Guelph, Windsor, Barrie, Mississauga and Hamilton.

Other major cities in Canada include: Vancouver, Victoria, Edmonton, Calgary, Saskatoon, Regina, Ottawa, Montreal, Fredericton, Halifax and St. Johns.