Self Employed

If you are a self-employed individual looking for a mortgage, we have great news for you. We offer low rates and excellent mortgage options specifically designed for self-employed individuals like you. Our goal is to make the mortgage process as fast and seamless as possible, even if you have experienced previous declines.

We understand that as a self-employed individual, your taxable income may be reduced due to claimed expenses. That's why our mortgage options take this into consideration, allowing you to qualify for a mortgage based on your reduced taxable income. For those with significant expenses that impact their qualifying income, our Stated Income mortgage option is particularly useful.

In addition to considering reduced taxable income, we also accept dividend and investment income as a stable source of income. However, we do require proof of this income, ensuring that it meets our stability and proof requirements.

To apply for a mortgage as a self-employed individual, there are several documents that you will need to provide. These 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.

To provide you with the best possible options, we have access to top Canadian lenders. This includes large banks, mortgage finance companies, credit unions, and alternative financers. These lenders are willing to accept reasonable income estimates, allowing us to tailor the mortgage options specifically to your needs.

If you are a Business For Self (BFS) borrower, we have options specifically tailored for you. Give us a call today to discuss your mortgage options and get started on your path to homeownership.

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