Self Employed

We offer low interest rates and a wide range of mortgage options specifically designed for self-employed individuals. Our goal is to provide fast approval for those who may have been declined for a mortgage in the past.

We understand that as a self-employed individual, your taxable income may be lower due to claimed expenses. That's why our mortgage options take this into consideration, allowing you to qualify for a loan based on your reduced taxable income.

For those with significant expenses impacting their qualifying income, our Stated Income mortgage option can be extremely useful. With this option, you can provide income estimates that better reflect your actual earning potential, making it easier to qualify for a mortgage.

We also recognize that self-employed individuals often have income from dividends and investments. We accept this type of income as well, as long as it can be shown to be stable and has sufficient proof.

To apply for a self-employed mortgage, you will need to provide several documents. These include your Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, and a copy of your Article of Incorporation or business license.

We have partnerships with top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. This allows us to offer a wide range of mortgage options and ensures that you have access to competitive rates.

If you are a Business For Self (BFS) borrower, we have options specifically tailored to your needs. Don't hesitate to give us a call to discuss your mortgage options. We are here to help you find the best solution for your unique situation.

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