More than 15% of all Canadian workers are self employed, according to the latest data from Statistics Canada (2007). Are you one of them? Do you earn a commission-based salary? If the answers are yes, did you have a smooth funding of your last mortgage with a bank? And, with a low interest rate?

At First Class, we understand your needs. I will look at your credit rating rather than business financials and personal tax notice of assessments.

Here are some great products available:

You will get excellent interest rates if your credit is excellent. Many products to choose from including the Most Wanted Deals. You only provided us with last year's Notice of Assessment showing that you do not owe Revenue Canada any money. If you purchase a home, you need to show your savings by three months' bank statements. Borrowed money is not allowed in this case.

If you have excellent credit history and the equity (or down payment) for your property, you are able to get a very good mortgage that does not require you to provide us with income verification. We only need to see that you have last year's Notice of Assessment without money owing to Revenue Canada. This requires that you have been self employed for not less than two years.

This is for you to purchase a new property or re-finance your existing home up to 95% of its appraised value. No true income is required for this mortgage; the lender will base their approval on your credit history and your self declared income letters! Interest rates are competitive. You may be required to pay insurance premium and certain lender fee.

We have lenders who funds mortgages for this as long as you have at least 20% of down payment (or equity) in your home. First Class Mortgages has access to these non main street banks that help you to own your home at an affordable cost.

No matter what unique situations you have I will work hard to find best mortgage products available on the market and negotiate for a better deal on behalf of you..

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