Self-employed individuals can benefit from low rates and excellent mortgage options. Even if they have previously been declined, fast mortgage approval is still possible. These mortgage options take into consideration the reduced taxable income resulting from claimed expenses, making them useful for those whose qualifying income is affected by expenses. Dividend and investment income is also accepted but requires stability and proof. In order to apply, individuals need to provide several documents such as 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. Access to top Canadian lenders is available, including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates. Additionally, there are options specifically tailored for Business For Self (BFS) borrowers. For further information, feel free to give a call.