Strive Aspire’s Business for Self Advantage is a mortgage product designed for self-employed individuals, offering a simplified qualification process. Borrowers with less than two years in business can qualify using 6 or 12 months of bank statements; income is annualized and recurring expenses are deducted to determine the qualifying income. The product requires minimal documentation: proof of business ownership, which could be bank statements or articles of incorporation, evidence of current business operation, and a partnership agreement if applicable. Notably, it does not require tax documents like Notices of Assessment or T1 Generals. There is no limit on the number of properties in a portfolio, with net rental income being added and losses deducted. For short-term rentals, a 2-year average income is considered, enhancing flexibility for diverse income sources.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 80% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. 640 minimum
Max Amortization 40 years
Mortgage Amount $ 200K - $ 3M

Rates and fees

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Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout Debt Consolidation Private Lender Payout Tax Arrears Payout Home Renovation Loan
Property Types
Detached Condo Townhouse Semi-detached Duplex Triplex Fourplex Rooming House Student Housing
Self-Employed Income Borrow More Low Taxable Income Commission Income
Short Term Rental Self Employed < 2 Years Qualify at Contract Rate Prior Bankruptcy Prior Consumer Proposal Second Home Gifted Down Payment Borrowed Down Payment Minimal Documents Holding Company

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Aspire by Strive Capital, launched in November 2023, specializes in alternative mortgage options. It caters to self-employed individuals, people with limited credit history, or those with unique financial needs. As the 'B' lending branch of Strive Capital, Aspire is recognized for its efficient process and willingness to find practical solutions for borrowers. This makes them a suitable choice for those needing a flexible approach to home financing.

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The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.