We provide low rates and excellent mortgage options specifically designed for self-employed individuals. Our goal is to make the mortgage process fast and efficient, even for those who have been declined in the past.

One of the key advantages of our self-employed mortgage options is that we take into consideration the reduced taxable income that is often a result of claimed business expenses. This means that your qualifying income is not solely based on what is shown on your tax returns.

For individuals with significant expenses impacting their qualifying income, our Stated Income mortgage option can be particularly useful. This option allows you to state your income without the need for extensive documentation, making it easier to qualify for a mortgage.

We also understand that self-employed individuals often receive income from sources other than their business. Through our mortgage options, we accept dividend and investment income, provided that there is stability and proof of these earnings. This allows for a more comprehensive assessment of your financial situation when determining your eligibility for a mortgage.

To apply for a mortgage, we require several documents including 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 ensure that you meet the requirements of our mortgage options.

As an added benefit, we have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that we can offer you a range of options and choose the one that best fits your needs and financial situation.

If you are a self-employed individual looking for a mortgage tailored to your specific circumstances, give us a call. Our team of experts is here to guide you through the process and find the best mortgage solution for you.