We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique financial circumstances of self-employed borrowers and strive to provide suitable mortgage solutions that meet their needs.

One of our key advantages is our ability to provide fast mortgage approval for self-employed individuals, even if they have been declined by other lenders in the past. We understand that the nature of self-employment can sometimes lead to fluctuations in income, and we take this into account during the approval process.

Our mortgage options for self-employed individuals also consider the reduced taxable income that may result from claimed expenses. We understand that self-employed individuals often have legitimate business expenses that can reduce their taxable income. Our Stated Income mortgage is specifically designed to consider these expenses when determining qualifying income.

We also accept dividend and investment income for self-employed individuals, as long as stability and proof requirements are met. We understand that many self-employed individuals may have income from investments or dividends, and we are willing to consider these sources of income as part of the mortgage application process.

In order to assess your eligibility, we require certain documents, such as 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. These documents help us verify your income and determine the best mortgage options for you.

Through our partnerships with top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers, we are able to provide access to a wide range of mortgage options. These lenders are willing to accept reasonable income estimates, allowing us to tailor mortgage options specifically for self-employed individuals.

If you are a self-employed individual looking for mortgage options tailored to your unique financial circumstances, give us a call! We are here to help you navigate the mortgage process and find the best solution for your needs.