Self-employed individuals can benefit from low rates and excellent mortgage options, even if they have been previously declined. These mortgage options take into consideration the reduced taxable income that comes with claimed expenses. For those who have expenses affecting their qualifying income, a Stated Income mortgage can be very useful. Dividend and investment income are also accepted as long as there is stability and proof. To apply, individuals will need to provide documents such as the Notice of Assessment, T1 Tax Statement, proof of ownership in the business, contracts or financial statements, as well as a copy of the Article of Incorporation or business license. Access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, is available, with reasonable income estimates accepted. There are also options specifically tailored for Business For Self borrowers. If you are interested, give me a call!