We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Our goal is to provide fast mortgage approval, even for those who have been declined in the past. We understand that self-employed individuals often have reduced taxable income due to claimed expenses, which can make it difficult to qualify for a mortgage. That's why our mortgage options take into consideration your reduced taxable income.

For those who have significant expenses impacting their qualifying income, our Stated Income mortgage might be the perfect solution. This mortgage allows you to state your income without providing extensive documentation, making it easier for you to qualify for a mortgage.

We also accept dividend and investment income, as long as there is stability and proof requirements. Our goal is to consider all sources of income when assessing your eligibility for a mortgage.

To apply for a mortgage, we require several documents, including your 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 help us verify your income and understand your business structure.

When it comes to lenders, we have access to the top Canadian lenders, which includes large banks, mortgage finance companies, credit unions, and alternative financers. These lenders are willing to work with self-employed individuals and accept reasonable income estimates.

If you are a self-employed individual and looking for mortgage options tailored for Business For Self (BFS) borrowers, we are here to help. Give us a call and we will assist you in finding the best mortgage solution for your specific needs.