Are you a self-employed individual looking for a mortgage? Look no further! We offer low rates and excellent mortgage options specifically designed for individuals like you. We understand the unique challenges that come with being self-employed, and we're here to help.

One of the key benefits we offer is fast mortgage approval, even for those who have been previously declined. We believe that your self-employment status shouldn't hinder your ability to secure a mortgage, which is why we work diligently to get you approved as quickly as possible.

We also take into consideration the reduced taxable income that often comes with claimed expenses for self-employed individuals. Our self-employed mortgage options are designed to factor in these expenses, making it easier for you to qualify for a mortgage. We understand that your actual qualifying income may be lower than your taxable income, and we take that into account.

If you have significant expenses that impact your qualifying income, our Stated Income mortgage option may be just what you need. This type of mortgage is perfect for those who have a lot of expenses and need an alternative way to demonstrate their income. We provide solutions that are tailored to your specific situation.

We also accept dividend and investment income, as long as you can provide stability and proof of those earnings. We understand that income for self-employed individuals can come from various sources, and we're here to help you navigate through those complexities.

When applying for a mortgage, there are some required documents that you will need to provide. These include the Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, any relevant contracts or financial statements, and a copy of the Article of Incorporation or business license. We want to make the application process as smooth as possible for you, so we provide guidance on what documents are necessary.

Rest assured, we have access to the top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. We work with lenders who are willing to accept reasonable income estimates, taking into consideration the unique circumstances of self-employed individuals.

So if you're a Business For Self (BFS) borrower and you're in need of a mortgage, don't hesitate to give us a call. We have mortgage options tailored specifically for individuals like you, and we're committed to helping you achieve your homeownership goals.