We offer low interest rates and a variety of excellent mortgage options specifically for self-employed individuals. We understand the unique challenges that self-employed individuals face when it comes to obtaining a mortgage, and we are committed to providing fast and efficient approval processes, even for those who have been declined in the past.

Our mortgage options take into consideration the reduced taxable income that self-employed individuals often have due to claimed expenses. We understand that these expenses are necessary for running a business and we want to ensure that you are not penalized for them when it comes to qualifying for a mortgage. Our Stated Income mortgage option is especially useful for individuals whose qualifying income may be impacted by these expenses.

We also accept dividend and investment income as a part of your overall income stability. We do require proof and stability of these income sources, but we understand that many self-employed individuals rely on these types of income as well.

To apply for our mortgage options, we do require some documentation. This includes your Notice of Assessment and T1 Tax Statement, as well as proof of principal ownership in your business. Additionally, we may ask for contracts or financial statements to further verify your income, as well as a copy of the Article of Incorporation or business license.

We have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers who are willing to accept reasonable income estimates. This means that we can explore a variety of options to find the best mortgage solution for your particular circumstances.

If you are a self-employed individual looking for a mortgage, we offer options specifically tailored for you. Give us a call and we will be happy to assist you in finding the right mortgage solution to fit your needs.