We offer low interest rates and exceptional mortgage options specifically designed for self-employed individuals. We understand the unique financial situations of self-employed individuals and aim to provide fast approval, even if you have been declined for a mortgage in the past.

Our mortgage options take into account the reduced taxable income that self-employed individuals often have as a result of their claimed expenses. We understand that these expenses may impact your qualifying income, and our Stated Income mortgage option is particularly beneficial for those in this situation.

In addition to considering claimed expenses, we also accept dividend and investment income as valid sources of income. However, stability and proof of this income will be required in order to qualify.

When applying for a mortgage as a self-employed individual, there are several documents that will be required. These include the Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, and a copy of the Article of Incorporation or business license.

We have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative lenders. These lenders are open to accepting reasonable income estimates, making it easier for self-employed individuals to secure a mortgage.

If you are a Business For Self (BFS) borrower, we have options tailored specifically for you. Give us a call and we will be happy to discuss your mortgage options and help you find the best solution for your unique needs as a self-employed individual.