If you are a self-employed individual looking to obtain a mortgage, you can benefit from low rates and excellent mortgage options. We understand that the process can be challenging for self-employed individuals, which is why we offer fast mortgage approval, even if you have been previously declined.

Our mortgage options take into consideration your reduced taxable income from claimed expenses. We understand that as a self-employed individual, you may have various expenses that impact your qualifying income. This is where our Stated Income mortgage comes in handy. It is designed for individuals like you who have expenses that affect their qualifying income.

We also accept dividend and investment income, as long as you can provide stability and proof requirements. This allows you to include additional income sources in your mortgage application.

When applying for a mortgage, you will need to provide certain documents. These include your 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 assess your financial situation and eligibility for a mortgage.

As for our lenders, we have access to top Canadian institutions, including large banks, mortgage finance companies, credit unions, and alternative lenders. These lenders understand the unique financial circumstances of self-employed individuals and are willing to accept reasonable income estimates.

We also offer options specifically tailored for Business For Self (BFS) borrowers. These options are designed to meet the specific needs of self-employed individuals and provide more flexible mortgage solutions.

If you are a self-employed individual in need of a mortgage, give us a call! We will be happy to assist you and guide you through the process.