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Mortgage Squad Advisors
Hamilton · OntarioSelf-employed

Self-employed mortgages in Hamilton.

BFS, stated income, dividend + salary — we know which lenders take which story. Strong investor market; multiplex and renovation financing in demand.

BFSStated incomeDividendAdd-backs
5-star rated| FSRA #13737| 50+ languages
Live math · Hamilton
On a $795,000 Hamilton home
Down payment
20% — min for self-employed mortgages
$159,000
Mortgage amount
At 4.39% · 30-yr amort
$636,000
ON LTT
Provincial closing cost
$12,375
Est. monthly payment
Principal + interest only
$3,166/mo
Illustrative only. Actual rate, qualifying amount, and premium depend on your file. Get an exact number with a senior advisor or Maya AI.
Min BFS history
2 yrs
Some 1-yr at B-tier
Max LTV (A)
80%
Insured up to 95%
Add-backs
CCA + home office + vehicle
Boosts qualifying income
Dividend
T5 OK
Grossed up at certain lenders
Why Hamilton clients choose us

Self-employed mortgages — built for Hamilton.

Same FSRA license. Same 50+ lender network. Same dedicated advisor model — applied to Hamilton's specific lender appetites and property types.

A-lenders that accept stated income with 2 years of T1 + NOA history
Dividend + salary mix optimization (T4 + T5 + retained earnings)
B-lender alt-A programs (+50-150 bps for income flexibility)
Private mortgage option for under-2-years self-employed
Add-back analysis: depreciation, CCA, vehicle, home office
Up to 80% LTV prime; 65-75% on alt-A; 75% on private
Refinance into A-lender pricing once 2 clean NOAs accumulate
CRA debt consolidation paths if behind on personal or HST
Same-day pre-approval when clear; 24-48 hours for complex stories
$0 fee to you on A-lender files — disclosed in writing
Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

Self-employed mortgages across Hamilton

From Westdale to Binbrook — we know the local market, the typical self-employed file size, and the lender appetites that fit each pocket of Hamilton.

WestdaleDurandStoney CreekAncasterDundasWaterdownBinbrook
FAQ

Self-employed mortgages in Hamilton — common questions.

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Any Canadian resident in Hamilton who meets the standard self-employed mortgages criteria — we help borrowers from Westdale, Durand, Stoney Creek and surrounding Hamilton. Strong investor market; multiplex and renovation financing in demand.

Other mortgage solutions in Hamilton

Same advisor team, full product menu — pick the one that fits your file.

All Hamilton programs →

Self-employed mortgages in other Ontario cities

Same product, different market — see how self-employed mortgages look across Ontario.

Browse all Ontario

Ready to start your self-employed mortgages in Hamilton?

5-minute pre-qualification. No credit check to begin. Your dedicated Hamilton advisor responds within the next business hour.