Alpine Credits Ltd.
Private lender
- Stated loan size (any product)
- Up to $500,000
- Highest stated LTV (any product)
- 75%
- Where they lend
- British Columbia · Alberta · Ontario
- How to apply
- Directly with the lender
Lenders for self-employed borrowers in Ontario
26 lenders that lend in Ontario describe this type of lending on their own websites. They are listed alphabetically; this is not a ranking or a recommendation, and it does not tell you whether you qualify.
Alta West Capital
Alternative lender
- Stated loan size (any product)
- Up to $3 million
- Highest stated LTV (any product)
- 83%
- Where they lend
- Ontario · Alberta · British Columbia
- How to apply
- Not stated
Antrim Investments
Mortgage investment corporation
- Stated loan size (any product)
- $50,000 to $5 million
- Highest stated LTV (any product)
- 75%
- Where they lend
- Major centres of British Columbia, Alberta and Ontario
- How to apply
- Not stated
Bridgewater Bank
Bank
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 80%
- Where they lend
- Not stated
- How to apply
- Not stated
Cannect (Cannect Mortgage Investment Corporation)
Mortgage investment corporation
- Stated loan size (any product)
- $25,000 to $1 million
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Toronto
- How to apply
- Directly with the lender
CMI Financial Group (Canadian Mortgages Inc.)
Mortgage investment corporation
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 85%
- Where they lend
- Major urban centres (e.g., Toronto, Calgary, Vancouver) · Rural areas
- How to apply
- Through a mortgage broker only
Contemporary Investment Corporation
Mortgage investment corporation
- Stated loan size (any product)
- $100,000 to $1.2 million
- Highest stated LTV (any product)
- 75%
- Where they lend
- Ontario
- How to apply
- Not stated
First National Financial LP
Residential and alternative lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Ontario · Atlantic Canada · British Columbia · the Prairies
- How to apply
- Not stated
Haventree Bank
Bank
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Not stated
- How to apply
- Through a mortgage broker only
Hillmount Capital Inc.
Private lender
- Stated loan size (any product)
- $200,000 to $50 million
- Highest stated LTV (any product)
- 70%
- Where they lend
- Ontario
- How to apply
- Directly or through a mortgage broker
Kokanee Mortgage
Private lender
- Stated loan size (any product)
- $10,000 to $750,000
- Highest stated LTV (any product)
- 75%
- Where they lend
- Ontario · Manitoba · Saskatchewan · Alberta · British Columbia · Yukon
- How to apply
- Not stated
Lendworth Financial
Private lender
- Stated loan size (any product)
- Up to $5 million
- Highest stated LTV (any product)
- 75%
- Where they lend
- Ontario
- How to apply
- Directly or through a mortgage broker
Magenta Capital Corporation (Magenta Mortgage Investment Corporation)
Mortgage investment corporation
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 75%
- Where they lend
- Ontario
- How to apply
- Through a mortgage broker only
Marathon Mortgage
Residential lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 95%
- Where they lend
- Canada
- How to apply
- Not stated
MCAN Home
Residential and alternative lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Canada
- How to apply
- Not stated
National Bank Optimum Mortgage
Alternative lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 80%
- Where they lend
- Ontario
- How to apply
- Not stated
Neighbourhood Holdings
Private lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 75%
- Where they lend
- British Columbia · Alberta · Saskatchewan · Ontario · Quebec · Nova Scotia
- How to apply
- Through a mortgage broker only
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Not stated
- How to apply
- Through a mortgage broker only
RiverRock MIC
Mortgage investment corporation
- Stated loan size (any product)
- From $100,000
- Highest stated LTV (any product)
- 80%
- Where they lend
- Ontario
- How to apply
- Not stated
Secure Capital MIC
Mortgage investment corporation
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 80%
- Where they lend
- Ontario · Greater Montreal
- How to apply
- Through a mortgage broker only
Sequence Capital
Private lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- 75%
- Where they lend
- Ontario · British Columbia · Alberta
- How to apply
- Not stated
Strive Capital
Alternative lender
- Stated loan size (any product)
- $100,000 to $1.5 million
- Highest stated LTV (any product)
- 95%
- Where they lend
- Canada
- How to apply
- Not stated
The Effort Trust Company
Trust company
- Stated loan size (any product)
- Up to $5 million
- Highest stated LTV (any product)
- 95%
- Where they lend
- Southern Ontario
- How to apply
- Not stated
THINK Financial
Mortgage lender
- Stated loan size (any product)
- Not stated
- Highest stated LTV (any product)
- Not stated
- Where they lend
- Canada
- How to apply
- Through a mortgage broker only
Trident MIC
Mortgage investment corporation
- Stated loan size (any product)
- From $50,000
- Highest stated LTV (any product)
- 75%
- Where they lend
- Southwestern Ontario
- How to apply
- Not stated
Uptown Financial
Private lender
- Stated loan size (any product)
- From $25,000
- Highest stated LTV (any product)
- 80%
- Where they lend
- Ontario
- How to apply
- Directly or through a mortgage broker
Questions to ask a lender
- How does the lender verify income: tax returns, bank statements, or stated income?
- How long must the business have operated?
- Is the rate or maximum loan-to-value different without traditional income documents?
About this list
Each lender appears because its own website describes this type of lending. We record the page and the date we checked it. Loan sizes and loan-to-value figures here are the highest or widest the lender states for any of its products, so a limit for this type of lending may be lower; open a lender’s profile for details. “Not stated” means we could not find it on the lender’s website, not that the answer is no. Criteria change; confirm details with the lender or a licensed mortgage professional before you rely on them.
WhichLender does not take applications, refer borrowers to lenders or brokerages, or accept payment for placement. Lenders can claim or correct their profile.