We offer competitive low rates and excellent mortgage options specifically designed for self-employed individuals. Understanding the unique financial situations faced by self-employed borrowers, our solutions cater to those who may have previously experienced difficulties securing mortgage approval, even after being declined elsewhere.

Our fast mortgage approval process takes into account the reduced taxable income many self-employed individuals report due to claimed business expenses. To address this, we provide Stated Income mortgage options that are particularly helpful for those whose qualifying income is impacted by such expenses. Additionally, we accept dividend and investment income as part of the income verification process, provided that applicants can demonstrate stability and supply the necessary proof.

To apply, self-employed borrowers will need to provide documents including their 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. This comprehensive documentation helps us accurately assess income and financial stability.

We have access to top Canadian lenders, covering large banks, mortgage finance companies, credit unions, and alternative financers. Many of these institutions accept reasonable income estimates, enabling more flexibility for self-employed applicants. Furthermore, we offer options specifically tailored for Business For Self (BFS) borrowers, ensuring that your individual circumstances are considered in the mortgage process.

If you are self-employed and looking to secure a mortgage with favorable terms, please reach out to me. I’m here to help you navigate your options and find the best financing solution suited to your needs. Give me a call today!