We offer competitive low rates and excellent mortgage options specifically designed for self-employed individuals. Understanding the unique challenges that come with self-employment, our mortgage solutions are tailored to meet your needs and help you secure financing with ease.

One of the key benefits we provide is fast mortgage approval, even for those who have faced previous declines. We recognize that traditional lending criteria may not always reflect the true financial strength of self-employed borrowers, especially when taxable income appears reduced due to claimed business expenses.

Our stated income mortgage options are particularly useful for individuals whose qualifying income is impacted by these expenses. We also accept dividend and investment income as part of your income verification, provided there is stability and proper proof. This broader view of income helps self-employed borrowers qualify more effectively.

To support your application, certain documents are required. These include the Notice of Assessment, the T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, and either a copy of the Articles of Incorporation or a business license. Having these documents ready will streamline the approval process.

We work with top Canadian lenders, including major banks, mortgage finance companies, credit unions, and alternative financiers who are open to reasonable income estimates. This access ensures that you get mortgage options best suited to your individual financial situation.

Additionally, we provide specialized solutions for Business For Self (BFS) borrowers. If you are self-employed and looking for mortgage options tailored to your circumstances, don’t hesitate to get in touch. I’d be happy to assist you in navigating your mortgage journey!