Self Employed Mortgage in Alberta

At Freedom Capital, a borrower’s profession does NOT affect their application!
Or talk to a mortgage broker now:
Let's Get Started
Freedom Capital
Play Video

Looking for a self employed mortgage in Alberta?

Being self employed has its advantages, but when it comes to mortgages, self employed individuals often face several obstacles. Whether it be an immediate requirement for funds to purchase real estate, fund a new business venture, or finance other life situations. Why should your profession determine whether or not you receive the financing you need?

Are you facing:

If so, Freedom Capital is a national mortgage brokerage that can help you acquire the self employed mortgage in Alberta you need.

If you can relate to these scenarios, you've come to the right place! With Freedom Capital, our borrowers receive custom-tailored commercial financing solutions and quick approvals.

Isabella Flores
Read More
Freedom Capital Team is one of the most amazing mortgage brokers that I have work with, the level of service they provide is outstanding. The team is very professional and were able to answer all of my client questions. Very responsive and acted fast on a mortgage that need it to get approved fast. Highly recommend working with Freedom Capital. Thanks Pip, Sylvia and Kathy
RSB Developments Ltd
Read More
Positive: Professionalism, Quality, Responsiveness, Value Pip and his dedicated team at Freedom Capital went above and beyond for us. We gave them a challenge of getting approval for us within 24 hrs and they were able to do it! I am so appreciative of Pip and his team for taking the time to not only help us understand the process but get it done Quickly! It was easy to see that Pip really values his clients and their best interests. We would work with Pip and his team in the future!
Kim Vo
Read More
I am very happy to have worked with Pip, Sylvia, Rosy, Kathy on my recent mortgage fund. Especially Kathy and Rosy with constant follow-ups and conversations with me all along the application until funding date. Rosy has guided me through the process which I needed. I understand it must be a whole team effort, a lot of work must have occurred behind the phone line in which me the client might not be able to see after I hang up conversing over the phone. They have worked diligently to bring satisfaction serving their clients. I truly appreciate and grateful to deal with Freedom Capital!
John Vranic
Read More
I have worked with many private lenders in the past and I must say that Rosy Ram was the one of the best people to deal with. To top it off my situation was extremely difficult and had many layers to it. After submitting documents that Rosy required she was able to get me a deal quite quickly. I was pleasantly surprised how professional and efficiently she worked. Many other lenders will promise you deals, string you along only to fall short in the end. All the terms, conditions and rates were very reasonable in light of my situation as well. Looking forward to doing more business with Freedom Capital!
AMIR Rahimtula
Read More
Pip Dhaliwal and The Freedom Capital Team are top producers in the mortgage game. Time after time they come forward effectively, efficiently with experience that counts and competitive results! As commercial developer we trust Pip and his team when they say they will get it done! They think outside the box and deal size never matters with Freedom Capital, they have knowledge and relationships with credible financiers to make our 106 unit condo project a reality and help Transnat Properties provide affordable homes to the public.
Gregory Hilman
Read More
We had another broker working on our deal for over three months, and the service was very disappointing... Then we called Pip for a competitive assessment, he made the deal in less than 2 weeks, and it was 3 x what the other lenders were offering. We even got open terms and better interest rate than we expected. Fantastic service and A very reputable lender… We would never go to another broker again!! 5 STARS!!

Client Testimonials

Not Sure how Freedom Capital can help you for your mortgage options?

Fill out this quick questionnaire to get mortgage options for your next commercial purchase or refinance.
Step 1
Step 2
Step 3

Freedom Capital’s Mortgages for self employed in Alberta

Freedom Capital strives to provide every borrower with the financial aid they need. We cater to every client, irrespective of their profession or credit score. With a determined team, professional experts, and knowledgeable network of lenders, we at Freedom Capital ensure we can provide solutions for even the most difficult cases. 

These factors ensure that every client receives the mortgage they need.


To qualify for a self employed mortgage in Alberta, individuals need to meet certain requirements, such as: 

  • 25% or more of the business should be owned by you
  • You use 1099 tax forms 
  • At least 25% of your income is through self employment 
  • A credit score of 650 or above 
  • A low DTI (debt-to-income) ratio

Yes, if you meet the lender’s requirements and qualify for the mortgage, then you can get a self employed mortgage in Alberta with one year’s worth of self employment. However, it may be harder to qualify

Usually, you will face larger down payment requirements for a self employed mortgage, however, it will always range between 15 to 25%.

Scroll to Top
Scroll to Top