We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand that being self-employed can present unique challenges when it comes to obtaining a mortgage, but our goal is to make the process as fast and easy as possible.

Even if you have previously been declined for a mortgage, we can still help. We pride ourselves on providing fast mortgage approval for self-employed individuals, regardless of past rejections. We believe that everyone deserves the opportunity to own their own home, and we are here to make that happen for you.

Our mortgage options for self-employed individuals take into consideration the reduced taxable income that often comes with claiming expenses. We understand that these expenses are necessary for running a successful business and we don't want them to hinder your ability to qualify for a mortgage.

For those with significant expenses that impact their qualifying income, we offer a Stated Income mortgage. This type of mortgage is particularly useful for self-employed individuals as it allows them to state their income without providing extensive proof.

We also accept dividend and investment income, as long as it can be proven and shows stability. We understand that self-employed individuals often have multiple sources of income, and we want to consider all of them when determining your eligibility for a mortgage.

To apply for a mortgage as a self-employed individual, we require several documents including the Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, contracts or financial statements, and a copy of the Article of Incorporation or business license. These documents help us assess your financial situation and determine the best mortgage options for you.

When you choose us, you will have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. We work with a wide range of lenders who are willing to accept reasonable income estimates for self-employed individuals.

We also offer options tailored specifically for Business For Self (BFS) borrowers. We understand that self-employed individuals have unique needs and we are committed to providing you with the best mortgage options available.

If you are ready to explore your mortgage options and find the perfect solution for your self-employed situation, please give us a call. We are here to help you every step of the way.