If you are self-employed and in need of a mortgage, look no further. We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Unlike many traditional lenders, we understand the unique financial situations that self-employed borrowers face and are committed to helping you secure the financing you need.

One of our main advantages is our fast mortgage approval process. Even if you've been declined by other lenders in the past, we can still help. We specialize in working with self-employed individuals and have experience navigating the complexities that come with this type of income. Our goal is to make the process as smooth as possible, ensuring that you can get approved and obtain your mortgage in a timely manner.

We also take into consideration the reduced taxable income that often arises from claimed expenses for self-employed individuals. Our self-employed mortgage options include a Stated Income mortgage, which allows you to provide estimates of your income based on your expenses. This is particularly useful if your expenses have a significant impact on your qualifying income.

Furthermore, we accept dividend and investment income as valid sources of income for mortgage qualification. However, we do require stability and proof of this income to ensure that it is reliable and consistent.

To apply for a self-employed mortgage, you will need to provide certain documents. These include your 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.

We have access to a wide variety of lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to find the best mortgage options for your unique financial situation, taking into account your reasonable income estimates.

If you're a Business For Self (BFS) borrower, we have options tailored specifically to your needs. Give us a call today to discuss your mortgage options and get started on the path to homeownership.