If you are a self-employed individual looking for a mortgage, we offer low rates and excellent options tailored for you. We understand that being self-employed can sometimes make it more challenging to secure a mortgage, but we are here to help.

One of the advantages we offer is fast mortgage approval, even if you have been previously declined by other lenders. We know that traditional lenders may not always understand the unique financial situation of self-employed individuals, but we do.

Our self-employed mortgage options take into consideration the reduced taxable income that comes from claimed expenses. We understand that as a business owner, you may have many legitimate expenses that impact your qualifying income.

For those who have significant expenses impacting their qualifying income, we have a Stated Income mortgage option. This option allows you to provide reasonable estimates of your income, taking into account the expenses you have incurred.

We also accept dividend and investment income, as long as there is stability and proof of this income. We understand that self-employed individuals often have multiple sources of income, and we are willing to consider all of them in order to provide you with the best mortgage options.

In order to process your application, we will require certain documents from you. These include your Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, and a copy of the Article of Incorporation or business license. These documents help us verify your income and determine your eligibility for a mortgage.

When you choose to work with us, you gain access to some of the top Canadian lenders. We work with large banks, mortgage finance companies, credit unions, and alternative financers who are willing to accept reasonable income estimates for self-employed individuals.

If you are a Business For Self (BFS) borrower, we have options specifically tailored for you. Our experienced mortgage professionals can guide you through the process and help find the best mortgage solution for your specific needs. Give us a call today to get started on your journey to home ownership.