Self-employed individuals can take advantage of low rates and excellent mortgage options, even if they have been previously declined. These mortgage options are designed to consider the reduced taxable income that comes from claimed expenses. Those with expenses impacting their qualifying income can benefit from a Stated Income mortgage. Additionally, dividend and investment income are accepted as long as there is stability and proof. To apply for these mortgages, applicants must submit various 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. All of these options are offered by top Canadian lenders including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates. For self-employed individuals looking for tailored mortgage options, they can reach out for assistance.