Self-employed individuals looking for low rates and excellent mortgage options can find exactly what they need with our services. We understand the unique circumstances of self-employed borrowers and are committed to providing them with fast mortgage approval, even if they have been declined in the past. Our mortgage options take into consideration the reduced taxable income that self-employed individuals may have as a result of claimed expenses.

For those who have significant expenses that impact their qualifying income, our Stated Income mortgage can be particularly useful. This option allows borrowers to provide an estimate of their income, taking into account their expenses, rather than relying solely on their tax returns. This can be a great solution for self-employed individuals who have high expenses that may not accurately reflect their financial stability.

We also accept dividend and investment income, as long as they can be proven and are considered stable sources of income. This provides self-employed individuals with more flexibility when it comes to qualifying for a mortgage.

To apply for a mortgage as a self-employed borrower, there are several required documents that you will need to provide. This includes 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 are necessary to accurately assess your financial situation and determine the best mortgage options for you.

One of the biggest advantages of working with us is that we have access to a wide range of top Canadian lenders. This includes large banks, mortgage finance companies, credit unions, and alternative financers. With our connections, we can ensure that you have access to the best mortgage rates and options available.

If you are a self-employed borrower looking for mortgage options tailored specifically to your needs, give us a call. Our team is dedicated to helping self-employed individuals find the right mortgage for their unique circumstances.