Self-employed individuals can take advantage of low rates and excellent mortgage options, even if they have been previously declined. These mortgage options take into consideration the reduced taxable income that comes with claimed expenses. For those whose qualifying income is impacted by expenses, the Stated Income mortgage could prove useful. Dividend and investment income are also accepted, as long as there is stability and proof requirements. To apply for these mortgage options, individuals will need to provide 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. Access to a variety of Canadian lenders is available, including large banks, mortgage finance companies, credit unions, and alternative financers, all of whom accept reasonable income estimates. Business For Self (BFS) borrowers can take advantage of tailored options. If interested, give a call!