If you are a self-employed individual seeking a mortgage, we have good news for you. We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique financial situation of self-employed borrowers and strive to provide the best mortgage solutions.

One of the key advantages we offer is fast mortgage approval, even if you have been declined in the past. We understand that being self-employed can sometimes make it difficult to meet traditional income verification standards. However, with our mortgage options, we consider the reduced taxable income resulting from claimed expenses, making it easier for you to qualify for a mortgage.

For self-employed individuals who have significant expenses that impact their qualifying income, we offer a Stated Income mortgage option. This allows you to provide an estimate of your income, taking into account your expenses, which can help you qualify for a mortgage.

We also accept dividend and investment income as part of your qualifying income. However, there are stability and proof requirements to ensure that the income is reliable and consistent.

To apply for a mortgage, you will need to provide certain documents. 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.

Our services also extend to accessing top Canadian lenders. We have partnerships with large banks, mortgage finance companies, credit unions, and alternative financers who are open to accepting reasonable income estimates for self-employed individuals.

If you are a Business For Self (BFS) borrower, we have options tailored specifically for you. We understand that your financial needs may be different from traditional borrowers, and we are here to assist you in finding the right mortgage solution.

To learn more about our self-employed mortgage options and how we can help you, please give us a call. We are committed to ensuring that self-employed individuals have access to the best mortgage rates and options available.