We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique financial situation of self-employed individuals and have tailored our mortgage programs to accommodate their needs.

One of the biggest challenges for self-employed individuals when applying for a mortgage is getting fast approval, especially after previous declines. However, we have streamlined our process to provide fast mortgage approval for self-employed individuals, regardless of whether they have been declined in the past. We believe that everyone deserves a chance at homeownership, and we are here to help make that a reality.

We also take into consideration the reduced taxable income that self-employed individuals may have due to claimed expenses. Our self-employed mortgage options are designed to factor in these expenses, ensuring that your qualifying income is accurately assessed. This can be especially useful for those who rely heavily on expense deductions for their business.

For individuals with expenses that significantly impact their qualifying income, we offer a Stated Income mortgage. This type of mortgage allows you to state your income without providing extensive documentation. This can be particularly beneficial for self-employed individuals who may have difficulty providing traditional proof of income.

We understand that self-employed individuals may have multiple sources of income, including dividend and investment income. Unlike traditional lenders who may disregard these income sources, we accept dividend and investment income as long as they can provide stability and proof of income.

To apply for our mortgage options, you will need to provide a number of documents. These 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. These documents are necessary to verify your income and ensure that you meet the eligibility criteria for our mortgage programs.

We have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to offer you the best mortgage rates and options available in the market. We work with lenders who are willing to accept reasonable income estimates for self-employed individuals, making it easier for you to qualify for a mortgage.

If you are a self-employed individual looking for mortgage options tailored for borrowers like you, please give us a call. Our experienced team is ready to assist you and guide you through the mortgage application process. We understand the unique challenges you face as a self-employed individual and are here to help you secure the right mortgage for your needs.