BlueShore Financial.com

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Online Banking

Self-Employed Mortgage

Custom-built for your circumstances

Custom-built to take into consideration your circumstances

  • Recognizes your true earnings
  • Competitive interest rates
  • Flexible mortgage options
  • Guided, easy process with minimal documentation
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You’re an entrepreneur. You’ve now been in business for a while and have confidence in its viability. You need a financial lending partner that has confidence in you as well. A partner that understands how business works and can work with you to help you achieve your other goals…personal goals, like buying a home.

At BlueShore Financial, we can make your personal mortgage happen even though you may not have the 9-to-5 pay cheque. We take into consideration all your sources of income, and understand that what shows on your T4 isn’t necessarily indicative of your true earnings. We offer a mortgage solution that is flexible enough to meet your needs, like pay-down opportunities when business is good, and lowered payments when business is slow.

And as a partner, we will ensure the process is as smooth and painless as possible, with minimal requirements for documentation and seamless processing.

We can help you get your mortgage:

  • We provide up to 80% of the purchase price (95% if insured)
  • We individually evaluate each business owner's income to reflect your true earning power
  • We factor in personal credit history as well that of your business
  • We review a variety of other factors that demonstrate the soundness of your business such as customer base and contracts in place
  • Documentation required is kept to a minimum: typically all you need is a minimum of two years’ financial statements and your personal Notices of Assessment (last two years)
  • Amortization can be up to 25 years and even longer*
  • We provide flexibility in open or closed terms, fixed or variable rates, and a range of payment schedules

We can help you manage your mortgage:

  • As your business grows, you can increase your payments once each year
  • If business slows, perhaps due to a downturn, you can decrease your payments back to the original payment
  • Pre-pay up to 15% of your original mortgage on the anniversary date to capitalize on improved profitability or a large commission
  • At the end of the term of your mortgage, we will re-evaluate your profile to ensure you get the best rate for the next term

We help protect your investment:

  • Mortgage insurance or life insurance can help your family retain the home if you die before the mortgage is paid off
  • Disability coverage can ensure your mortgage payment is made if you are unable to work due to illness or injury
  • Critical illness insurance can be used to pay off your mortgage should you be diagnosed with a life-threatening illness or suffer a stroke or heart attack

Our highly experienced financial advisors will work with you to develop a personal mortgage solution that fits. Contact us to arrange a consultation.

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