Below is a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender – each situation is unique and looked at accordingly. This is where our expertise and knowledge is essential in taking care of you and your family.
| Employment - Self-employed |
- Recent job status/change
- Work experience outside Canada |
- Lack of work history
- Part-time |
| Income |
- Income - Non-verifiable
- Salary + commission
- Seasonal |
- Commission
- Salary + OT and/or bonus |
| Credit |
- Spotty/bad credit
- No credit |
- Good, but a lot of credit
- Previously bankrupt |
| Property |
- Rental
- Construction
- Cottages/vacation homes
-Multiplex - Investment |
-Rural/acreage
-Mobile homes |
| Status |
- Non-resident |
- New immigrant |
| Financial |
- Zero-down |
- Purchase plus improvement |
If you fall into one of the categories above, or if you have a different situation, I know where to go and how to structure the deal.
For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.
For more information, email us at info@professionalmortgageplanners.ca
