We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Whether you have just started your own business or have been self-employed for a while, we understand that finding a mortgage that suits your unique financial situation can be challenging. That's why we are here to help.

One of the main advantages we offer is fast mortgage approval for self-employed individuals, even if you have been declined for a mortgage in the past. We understand that traditional lenders often focus on consistent income and may overlook the income fluctuations that come with being self-employed. Our mortgage options take this into consideration and provide you with the opportunity to qualify for a mortgage based on your reduced taxable income, considering the various expenses you have claimed.

If you have significant expenses that impact your qualifying income, our Stated Income mortgage option may be particularly useful for you. With this option, you can provide reasonable estimates of your income, taking into account these expenses, which allows for a more accurate representation of your financial situation.

We also accept dividend and investment income, as long as there is stability and proof of this income. This provides a great opportunity for self-employed individuals who have diversified their income sources or have investments that generate significant returns.

To apply for our self-employed mortgage options, we require a few 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 the Article of Incorporation or business license. Having these documents readily available will help streamline the approval process.

We work with the top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This wide network allows us to find the best mortgage options for your specific needs and situation. Our goal is to provide you with access to a range of lenders who are willing to accept reasonable income estimates and tailor their options to fit your individual circumstances.

If you are a self-employed borrower, we encourage you to give us a call to discuss the mortgage options tailored for you as a Business For Self (BFS) borrower. Our team of experts is ready to guide you through the process and help you secure the mortgage that meets your requirements.