We offer low rates and excellent mortgage options for self-employed individuals. We understand the unique financial circumstances of self-employed individuals and provide fast mortgage approval, even if you have been previously declined.

Our mortgage options for self-employed individuals take into consideration the reduced taxable income that may result from claimed expenses. We understand that these expenses can impact your qualifying income, and therefore offer a Stated Income mortgage that is useful for those who have significant expenses.

We also accept dividend and investment income as part of your overall income, as long as it can be proven and shows stability. We have specific requirements for proof of this income, ensuring that you have the necessary documentation to support your application. This may include providing your Notice of Assessment, T1 Tax Statement, proof of ownership in your business, contracts or financial statements, and a copy of the Article of Incorporation or business license.

With our wide range of lending options, we have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. These lenders are generally willing to accept reasonable income estimates, allowing us to provide you with suitable mortgage options based on your unique financial situation.

In addition to these general mortgage options for self-employed individuals, we also offer tailored options specifically for Business For Self (BFS) borrowers. If you are self-employed and looking for a mortgage, give us a call. We are here to help you navigate the mortgage process and find the best mortgage solution for your needs.