We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique financial situations that self-employed individuals face, and our goal is to provide fast mortgage approval, even for those who have experienced previous declines.

One of the key advantages of our self-employed mortgage options is that they take into consideration the reduced taxable income resulting from claimed business expenses. This means that even if your taxable income appears low, we can still help you qualify for a mortgage by using alternative methods to assess your ability to repay.

If you have significant expenses that impact your qualifying income, our Stated Income mortgage can be particularly useful. This option allows you to state your income without providing traditional income documentation, making it ideal for self-employed individuals who may have difficulty proving their income through conventional means.

We also take into account dividend and investment income, as long as it can be proven to be stable and reliable. This provides additional flexibility for self-employed individuals who earn income from various sources.

To apply for our self-employed mortgage options, you will need to provide several required documents. This includes the Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, as well as a copy of the Article of Incorporation or business license.

As a mortgage broker, we have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This ensures that we can find the best mortgage solution for your specific needs, regardless of your income situation. We work with lenders who accept reasonable income estimates, so you can feel confident in our ability to provide you with options that are tailored to your unique circumstances.

If you are a self-employed individual looking for mortgage options, tailored specifically for Business For Self (BFS) borrowers, we encourage you to give us a call. Our experienced team is ready to assist you in finding the right mortgage solution that fits your needs and goals.