Income That Makes Sense. Approvals That Move.

No T4s? No problem. Our Self-Declared Income Program is designed for self-employed, gig workers, and investors—and for brokers who see beyond paperwork and fight for client potential.

BORROWER PROFILES

Looks Familiar?

These borrowers might be financially solid—but overlooked by traditional lenders.

🏠

Owns 3 rental properties

But income “looks too low” on paper due to deductions and structure.

💻

High-earning freelancer

But inconsistent monthly income raises red flags for banks.

🌍

New Canadian business owner

Limited credit history, but excellent savings and business performance.

🚗

Full-time gig worker with strong savings

No traditional income documents—but a solid track record.

Seen these before? We just might be able to help!

SELF-DECLARED INCOME PROGRAM

Who This Program Helps

Self-Employed Entrepreneurs
Common-sense approvals. We look at the full financial picture.

Freelancers & Gig Workers
Your clients’ income may fluctuate, but their ability to repay doesn’t.

Property Investors
Your clients’ wealth might be in assets, not a pay stub.

PRODUCT OVERVIEW

What We Work With

🏠 Property Type: Residential Only

📍 Lending Areas: BC, AB, ON, NS, QC

⏳ Amortization: Interest-only or up to 40 years

📊 Max LTV: 65% or up to 75% in BC & AB

💳 Beacon: 575+ with no existing mortgage arrears

🚀 Turnaround Time: Commitments in 24–48 hours

QUICK ANSWERS

Frequently asked questions

  • Our maximum LTV is 65%. Need a higher LTV? Contact our sales team at connect@neighbourhoodholdings.com. They can put you in touch with one of our bundle partners who can lend up to 80%.

  • We offer 2nd mortgages exclusively in BC. Reach out to discuss deal scenarios and eligibility.

  • We lend in BC, AB, ON, QC and NS, in major urban centres, and non-rural bedroom communities that are within 50km of a city with a population of 100,000 or more. If you would like to confirm exactly where we lend, enter the postal code of the property into our chatbot.

  • We will finance residential homes, detached, semi-detached, condo, townhomes, multi-units up to 3 (4 in QC).

  • We will not finance these types of properties: commercial, semi-commercial, vacant land, construction, big acreage (>5), mobile homes, lease land, self built, ALR land, condo indivise (coop).

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Neighbourhood Holdings is licensed as a Mortgage Administrator (NS #2024-3000660, ON #13679), Lender (NS #2024-3000354), and Brokerage (ON #13753)
440-355 Burrard St.
Vancouver, BC V6C 2G8
Canada
© Neighbourhood Holdings 2025