Low documentation mortgage you have come to the right website. Although the market has changed dramatically over the past few years the misconception that low doc or stated income mortgages are gone is a myth.

The largest hurdle for our self-employed mortgage client is proving their income in a way that is suitable to the banks ridged guild lines. This is where we come in, providing you options in a low documentation mortgage loan.

Equity Lenders Langley
Vancouver BC Low Document Mortgages Apply Here

Low Doc Pros and Cons at a glance:

  • Lenders evaluate credit more than income
  • Flexibility in Rates & Terms
  • Less strict income verification (contact us to see what exceptions we can negotiate)
  • Approvals are based on equity
  • Usually only a short term loan until you can qualify back at the banks
  • Interest rates are higher than the discounted or posted
  • Insurance or Broker Premiums may be attached for higher risk applications
  • Income taxes will have to be up to date
For more information on mortgage rates

Self Employed and Have Bad Credit or Low Credit? Mortgage refinancing with bad credit is still available for the Self Employed through a few conventional banks offering unique mortgage products using your home equity or Sub-Prime Mortgage Lenders. For more information about Bad Credit Mortgage Refinancing for Self Employed or Salaried incomes using your home equity contact your Vancouver BC Mortgage Broker online application

  • Poor Credit and Recent Bankruptcies 
  • Conventional Bad Credit Mortgage

refinancing banks have programs to allow borrowers with poor credit and recent bankruptcy discharges to obtain mortgages. Online Application

  • Self Employed Lenders 

offers mortgages to small business and self employed borrowers with low documentation requirements. With 20% down, notice of assessments are not even required. Online Application

  • Mortgage Offers High TDS Ratios 

offering TDS ratios as high as 50%, depending on your credit rating. TDS – Total Debt to Service ratio. The amount of debt being serviced as a percent compared to the total income.

Low Document mortgages  service areas in British Columbia (BC) Canada’s Lower Mainland of: Surrey BC , Vancouver, Richmond, Burnaby BC, Abbotsford, Chilliwack, Coquitlam BC Port Coquitlam, Pitt Meadows, Maple Ridge, West Vancouver, North Vancouver, Port Moody, New Westminster, Delta, Surrey, White Rock, Langley, Coquitlam, Mission, Or in the BC Okanagan  Armstrong Chase, Penticton, Revelstoke, Kamloops, Kelowna, Merrit, Salmon Arm, Vernon, As well as on the Isalnd Victoria, Saanich, Esquimalt, Oak Bay, Colwood, Langford, Sooke, Campbell River, Chemainus, Comox, Courtenay, Cumberland, Duncan, Ladysmith, Lake Cowichan, Nanaimo, Parksville, Port Alberni, Qualicum, Sidney, Cranbrook, Kimberley, Nelson, Castelgar, Trail, Revelstoke