Self-employed individuals can now benefit from low rates and excellent mortgage options. This includes fast mortgage approval, even if they have been previously declined. Mortgage options for self-employed individuals take into consideration the reduced taxable income due to claimed expenses. The Stated Income mortgage option is particularly helpful for those who have expenses that impact their qualifying income. Additionally, dividend and investment income are accepted as long as stability and proof requirements are met. To apply for these mortgage options, the required documents include 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 also access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers, all of which accept reasonable income estimates. Tailored options are available specifically for Business For Self (BFS) borrowers. For more information, feel free to give me a call.