Mortgages for Employed Borrowers

What do we offer?

Solutions for Permanent or Seasonal, Full-time or Part-time Employees

There are all sorts of different mortgage combinations that could work with your income structure and situation.

Over the years, we have helped many employed borrowers purchase their dream homes, or refinance in order to consolidate debts or make investments.

Get started

Employed borrowers are generally asked to provide the following documentation:

  • Up to date letter of employment, stating your position, length of employment (including probationary period if applicable), Salary amount or your hourly rate with guaranteed hours
  • 2 recent pay slips (you may be required to provide bank statements showing your pay being deposited)
  • Most recent T4 tax sleep or Notice of Assessment (employees that receive over time, bonus, or commission are asked to provide the last 2 years of the above noted documents)
  • T1 General (if applicable – could be required for 2 recent tax years) – for borrowers that have rental, investment, or other income that should be considered for the mortgage eligibility
  • Down payment – generally 90 days (could be 30 days also) of banking or investment history to show the source of your down payment. Depending on the composition of your deposits, you may be required to provide further proof.

We can help you secure the funding you need!

We understand the unique financial needs of our borrowers and offer solutions, even on challenging deals.

Recent Employed Transactions

1st Mortgage 
Bruised Credit
Salaried Income

1st Mortgage 
Rental Property
Salaried Income

2nd Mortgage 
Equity Takeout 
Salaried Income

Our Client Testimonials

Real People. Real Results.

Based on 68 reviews
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Behrooz RajabifarBehrooz Rajabifar
03:46 06 Feb 24
Very professional, friendly and helpful. Both the front and the back end teams work with the kind care to ensure the client's needs are met nicely... and all of their questions answered. Also very smooth closings. As a Realtor it's been a pleasure working with Reza and his team. Highly recommended :)read more
Kambiz FrounchiKambiz Frounchi
03:00 16 Aug 23
We can’t say enough good things about Greenflow Financial. My wife and I contacted Greenflow Financial recently to set up a mortgage for an... investment property and they were nothing short of amazing. Reza and Anne were responsive, knowledgeable and diligent throughout the entire process. We worked closely with Anne and she was very professional and dedicated in getting us across the finish line with our mortgage. We would not hesitate to work with them again!read more
Mitra TahmasebiMitra Tahmasebi
17:18 15 Aug 23
Hi,they are very honest and adherent to promiss ,answering your questions anytime.-Very Knowledgeable-good working teamThank you
mohd ashiqmohd ashiq
11:32 11 Jul 23
Helpful, knowledgeable, respectful, resourceful and most importantly gets the job done !!
Kayvan PezeshkiKayvan Pezeshki
02:45 29 Mar 23
Excellent service professional staff.
vahid jamshidivahid jamshidi
17:50 14 Feb 23
At a time when I had no hope of getting a loan, I was able to get this loan to buy an apartment for investment.
Soheil KhojastehSoheil Khojasteh
13:59 29 Jan 23
GreenFlow Financial was very helpful throughout our entire renewal process. They were transparent with everything, and patient with me and my wife's... busy schedules. They were also able to offer us the best rates out of anyone else we consulted. Highly recommend more
Bahare PahlavanBahare Pahlavan
00:58 29 Oct 21
I highly recommend working with Green Flow Financial Services. They are extremely proficient and the costumer service is top notch. They were helpful... every step of the way and made sure the process was smooth. Reza Ghazi has great work ethics and is exceptionally professional. Anne is very organized and respectful. They were very persistent and patient and helped us get the best results. Thank you for your help!read more
Sarah ShojaiSarah Shojai
21:21 10 Sep 20
GreenFlow team's support was one of best experiences we had during the process of buying our new house and getting the best rate Mortgage we even... couldn't think of. Working with Anne and Reza made us super confident despite all the difficulties of our situation. Super organized, offering so many options and very reliable team. I highly recommend this great team. Thank you again Reza and Anne for making this stressful process a wonderful experience for more
Why Choose Us?

Our Process

We understand that selecting a mortgage broker is a critical decision. That's why our proven process sets us apart. We begin by thoroughly analyzing your financial situation, goals, and aspirations. Our team of experienced consultants then crafts tailored strategies that align with your unique needs.

Step 1

Complete Application and Gather Documentation

Step 2

Application Submitted to Lender

Step 3

Appraisal Ordered

Step 4

Conditional Lender Approval Received

Step 5

Lender's Conditions are Satisfied

Step 6

Congratulations, Your Mortgage has Closed!

What's new?

We believe knowledge is power

We firmly believe that knowledge is power when it comes to managing your finances. That's why we are committed to empowering our clients with the information they need to make informed decisions.

Upcoming webinars

Unlock financial wisdom with our engaging and informative webinars.

Do you want to know the estimated value of your residential property?

Getting started is as easy as booking a consultation and completing an application form.

Mortgage Application
To assist you better, we need to know a little more about you.
Book a Call
We are ready to assist you in reaching your financial target.

GreenFlow Financial is an award-winning mortgage brokerage firm based in Toronto and Ottawa.

Brokerage Lic. #: 12402

1200 Bay Street, Suite 202
25 Sheppard Ave W, Suite 300

1 (800) 712-8520 X 100

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