There are low rates and excellent mortgage options available for self-employed individuals, with a fast approval process even for those who have been previously declined. These mortgage options take into consideration the reduced taxable income from claimed expenses, making them suitable for individuals who have expenses that impact their qualifying income. Stated Income mortgages are particularly useful for those in this situation. There is also acceptance of dividend and investment income, as long as stability and proof requirements are met. Required documents for the mortgage application include 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. Additionally, there is access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers who are willing to accept reasonable income estimates. There are also tailored options available specifically for Business For Self (BFS) borrowers. For more information or assistance, please feel free to give me a call.