Are you a self-employed individual in need of a mortgage? Look no further! We offer low rates and excellent mortgage options specifically designed for self-employed individuals like you. Whether you're a freelancer, contractor, small business owner, or entrepreneur, we can help you secure the mortgage you need.

One of the key advantages we offer is fast mortgage approval, even if you have been previously declined by other lenders. We understand that self-employed individuals may face unique challenges when it comes to securing a mortgage, such as fluctuating income or difficulties proving income. However, with our expertise and understanding of the self-employed market, we can help you overcome these obstacles and get you approved quickly.

Our mortgage options also take into account the reduced taxable income that self-employed individuals often have due to claimed expenses. We understand that your expenses may impact your qualifying income, and we can tailor our mortgage options to suit your specific financial situation. For example, we offer a Stated Income mortgage option that is particularly useful for those with significant expenses that affect their qualifying income.

Furthermore, we accept dividend and investment income as valid sources of income, as long as you can provide stability and proof of these earnings. We understand that self-employed individuals often have diversified income streams, and we are here to help you make the most of these income sources when applying for a mortgage.

When applying for a mortgage, there are certain documents that we will require from you. These include your 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. These documents help us assess your financial health and ability to repay a mortgage.

We have access to a wide range of top Canadian lenders, which includes large banks, mortgage finance companies, credit unions, and alternative financiers. This means that we can offer you a variety of options and find a lender who will accept reasonable income estimates for your unique situation.

If you are a Business For Self (BFS) borrower, we have specific options tailored to your needs. We understand the unique financial circumstances faced by BFS borrowers, and we can provide you with the guidance and solutions you need.

Don't hesitate to give us a call today! We are here to assist self-employed individuals like you in obtaining the best mortgage options available.