We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique challenges that self-employed individuals face when it comes to securing a mortgage, which is why we are dedicated to providing fast mortgage approval, even for individuals who have previously been declined.

Our mortgage options take into consideration the reduced taxable income that self-employed individuals may have due to claimed expenses. We understand that these expenses may impact qualifying income, and we are here to help navigate through these challenges.

For individuals who have significant expenses that impact their qualifying income, our Stated Income mortgage option may be useful. This option allows individuals to state their income without the need for extensive documentation. This can be particularly beneficial for those who may have difficulty providing traditional proof of income.

We also accept dividend and investment income as a source of stability and proof of income. However, there are specific requirements in place to ensure the legitimacy of this income.

In order to apply for our self-employed mortgage options, we require certain documents, including the Notice of Assessment, T1 Tax Statement, proof of principal ownership in the business, any contracts or financial statements related to the business, and a copy of the Article of Incorporation or business license.

We have access to some of the top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. These lenders are willing to accept reasonable income estimates in order to accommodate self-employed individuals.

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