If you are self-employed and looking for a mortgage, you're in luck! We offer low rates and excellent mortgage options specifically designed for self-employed individuals.

One of the advantages we offer is fast mortgage approval, even if you have been previously declined. We understand that self-employment can make it difficult to qualify for a mortgage, but we have options available to help you.

Our mortgage options take into consideration your reduced taxable income due to claimed expenses. This is important because self-employed individuals often have higher expenses that can impact their qualifying income.

For those with significant expenses impacting their qualifying income, we offer a Stated Income mortgage option. This allows you to provide reasonable income estimates rather than detailed income documentation. This can be especially useful for self-employed individuals who have a lot of expenses and may not have traditional income documentation to support their loan application.

In addition to traditional income sources, we also accept dividend and investment income as long as stability and proof requirements are met. We understand that self-employed individuals may have diverse income sources, and we strive to accommodate that in our mortgage options.

When applying for a mortgage as a self-employed individual, there are certain documents we will require. These include 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 option for you.

We have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This ensures that we can provide you with a wide range of options and find the best mortgage solution for your unique situation.

If you are a self-employed individual and interested in our tailored mortgage options for Business For Self (BFS) borrowers, please give us a call. We are here to help you navigate the mortgage process and find the best mortgage solution for your needs.