We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique challenges that self-employed individuals face when seeking a mortgage, and we are here to help. One of the key advantages we offer is fast mortgage approval, even for those who have been previously declined by other lenders.

Unlike traditional mortgages, our self-employed mortgage options take into account the reduced taxable income that is often the result of claimed business expenses. We understand that business expenses can significantly impact your qualifying income, and we take that into consideration when assessing your mortgage application.

For those who have significant expenses impacting their qualifying income, our Stated Income mortgage may be the perfect solution. This type of mortgage allows you to state your income without the need for detailed income documentation. It is a useful option for self-employed individuals who may have difficulty providing traditional proof of income.

In addition to considering your business income, we also accept dividend and investment income as part of our mortgage options for self-employed individuals. We do, however, require stability and proof of this income to ensure its reliability.

When applying for a mortgage as a self-employed individual, there are certain documents that will be required. 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 a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to provide you with a variety of mortgage options and find the best fit for your unique needs. We work with lenders who are willing to accept reasonable income estimates, further expanding your options.

If you are a self-employed individual looking for a mortgage, we have options tailored specifically for Business For Self (BFS) borrowers. Give us a call today and let us help you navigate the mortgage process with ease. Our team of experts is here to assist you every step of the way and ensure you get the mortgage solution that is right for you.