We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Whether you are a freelancer, an entrepreneur, or a small business owner, we understand the unique challenges you face when it comes to financing a home. With our expertise and specialized programs, we can help you secure the mortgage you need, even if you have been previously declined.

One of the benefits of our self-employed mortgage options is that we consider your reduced taxable income. As a self-employed individual, you can claim various expenses related to your business, which can significantly reduce your taxable income. Unlike traditional mortgages that solely rely on your taxable income, our options take into account these claimed expenses, allowing you to qualify for a larger loan amount.

If your claimed expenses have a significant impact on your qualifying income, our Stated Income mortgage might be the right choice for you. This option allows you to state your income without providing extensive proof of your financial documents. It is particularly useful for self-employed individuals who have high expenses but can still demonstrate their ability to repay the loan.

We also accept dividend and investment income as a valid source of income for mortgage approval. However, we require stability and proof of these income sources to ensure their reliability. By accepting a variety of income types, we strive to provide flexible solutions that cater to the diverse financial situations of self-employed individuals.

To apply for our self-employed mortgage options, you will need to provide certain documents, including the 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. These documents help us assess your financial stability and determine the most suitable mortgage option for you.

We have connections with top Canadian lenders, including major banks, mortgage finance companies, credit unions, and alternative financers. With these partnerships, we can offer you a wide range of options and access to competitive rates. Additionally, we are experienced in tailoring mortgage solutions specifically for Business For Self (BFS) borrowers, ensuring that you receive personalized service and the most suitable mortgage option for your unique needs.

If you are self-employed and looking for a mortgage, give us a call today. Our team of experts is ready to guide you through the process and help you achieve your homeownership goals.