Mortgages for Employed Borrowers
Flexible Mortgage Options
Explore employed mortgage solutions designed for part-time workers.
Personalized Guidance
Get expert guidance and advice tailored to your financial profile.
Simplified Documentation
We assist with paperwork and connect you to supportive lenders.
Tailored Home Loans For Part-Time Workers
Find loan options that align with your long-term financial goals.
Employed Mortgage Solutions for Part-Time Workers
We offer a variety of mortgage options designed specifically for part-time workers. Our solutions are tailored to help you secure financing, even if your income is irregular or non-traditional. We work with you to find the right mortgage product that matches your financial situation.
- Flexible qualification criteria for part-time income
- Competitive interest rates for part-time workers
- Access to various loan products with low down payment options
- Personalized guidance from mortgage advisors experienced in part-time income cases
- Support throughout the application and approval process
Mortgage Solutions for Part-Time Workers
At GreenFlow Financial, we understand the challenges part-time workers face when applying for a mortgage. Our mortgage solutions are specifically designed to help those working part-time secure home loans with ease, even if they don't have a full-time income.
- Mortgage options that take part-time employment into account
- Lenders who consider multiple income sources (e.g., side jobs, freelance)
- Assistance with demonstrating income stability
- Guidance on improving credit scores for better loan terms
- Streamlined application process for part-time workers
Home Loans for Part-Time Workers
With the right support, securing a home loan as a part-time worker is possible. Our team helps you navigate the application process, ensuring you get the best deal for your financial situation.
- Access to a wide range of home loan products
- Guidance on gathering required documentation for part-time workers
- Help with calculating affordability based on fluctuating income
- Access to low-interest loans and flexible repayment options
- Specialized lenders who understand the needs of part-time workers
What do we offer?
Mortgage 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.
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.
GreenFlow Financial is a leading provider of tailored financial solutions that cater specifically to Ontario homeowners, real estate investors, and developers who face challenges with traditional lending systems. By providing access to construction loans and specialized mortgage products, we enable our clients to fund new builds, renovations, and expansions efficiently and effectively, unlocking the potential of their properties. We understand the unique needs of our clients and provide personalized service that ensures quick and reliable access to funds.
Our expertise in navigating alternative financial pathways positions us as a trusted partner in overcoming traditional lending barriers, helping our clients achieve their real estate and financial goals confidently and easily across Toronto, Mississauga, Brampton, Markham, Vaughan, Richmond Hill, Oakville, Burlington, Pickering, Ajax, Whitby, Oshawa, Milton, Halton Hills, Caledon, Aurora, Newmarket, King, East Gwillimbury, Whitchurch-Stouffville, Ottawa, and the surrounding areas.