Self-employed individuals can benefit from low rates and excellent mortgage options, including fast approval even after previous declines. These mortgage options take into consideration the reduced taxable income resulting from claimed expenses. The Stated Income mortgage is particularly beneficial for those whose qualifying income is affected by their expenses. Dividend and investment income are also accepted, as long as stability and proof requirements are met. In order to apply for these options, certain documents such as the Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, contracts or financial statements, and copy of the Article of Incorporation or business license are required. Access to top Canadian lenders is available, including large banks, mortgage finance companies, credit unions, and alternative financers who are willing to accept reasonable income estimates. Borrowers who are Business For Self can also benefit from tailored options. For more information, please contact me.