If you are self-employed and looking for a mortgage, we offer low rates and excellent options. We understand the unique financial situation that self-employed individuals face and are dedicated to providing solutions that meet your needs.

One of the advantages we offer is fast mortgage approval, even if you have been declined in the past. We know that traditional lenders can be reluctant to provide mortgages to self-employed individuals, but we have options that cater specifically to your situation.

Our mortgage options for self-employed individuals take into consideration the fact that your taxable income may be reduced due to claimed expenses. We understand that these expenses are necessary for running your business and should not be penalized when it comes to qualifying for a mortgage.

For those with expenses that significantly impact their qualifying income, we offer the Stated Income mortgage. This mortgage option allows you to provide reasonable income estimates, taking into account the expenses that affect your overall income.

We also accept dividend and investment income, as long as it is stable and can be proven. We understand that self-employed individuals may have multiple income sources and we want to make sure that all sources are considered when qualifying for a mortgage.

To apply for a mortgage, we require several documents including 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 allow us to accurately assess your financial situation and provide you with the best mortgage options.

We have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. This means that we can offer you a wide range of options and find the best fit for your needs.

If you are a Business For Self (BFS) borrower, we have options that are tailored specifically for you. Give us a call and we will be happy to discuss your unique situation and find the best mortgage solution for you.