We offer low rates and excellent mortgage options specifically designed for self-employed individuals. If you are self-employed and in need of a mortgage, we can help you secure fast approval, even if you have been declined in the past.

Our mortgage options take into account the reduced taxable income that often comes with claiming business expenses. We understand that self-employed individuals may have additional expenses that impact their qualifying income. Therefore, our Stated Income mortgage option is particularly useful for those who need to consider these expenses when determining their income.

We also accept dividend and investment income as a source of stable income, as long as certain proof requirements are met. This means that if you have investments or receive dividends, we can include this income when evaluating your mortgage application. Stability and proof of this income will be necessary to ensure its acceptance.

When applying for a mortgage as a self-employed individual, there are certain documents that you will need to provide. These include your Notice of Assessment, T1 Tax Statement, proof of your principal ownership in the business, contracts or financial statements, and a copy of the Article of Incorporation or business license. These documents help us assess your financial situation and determine the best mortgage options for you.

Our access to top Canadian lenders sets us apart. We work with large banks, mortgage finance companies, credit unions, and alternative financers, all of whom are willing to accept reasonable income estimates. This means that even if you don't have traditional pay stubs or salary documentation, we can still help you secure a mortgage.

We also offer options specifically tailored for Business For Self (BFS) borrowers. If you are a BFS borrower, we have specialized mortgage options designed to meet your unique needs.

If you are self-employed and in need of a mortgage, give us a call! We have the expertise and resources to help you secure the financing you need. Don't let your self-employment status hinder you from getting the mortgage you deserve.