There are low rates and excellent mortgage options available for self-employed individuals, with the added benefit of fast mortgage approval even if there have been previous declines. These mortgage options take into consideration the reduced taxable income from claimed expenses, making them particularly useful for those with expenses that impact their qualifying income. Additionally, dividend and investment income is accepted as long as there is stability and proof of such income. In order to apply for these mortgages, individuals will need to provide various documents such as 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. There is access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates. For Business For Self (BFS) borrowers, there are tailored options available. For more information or to get started, please give me a call.