Self-employed individuals can benefit from low mortgage rates and excellent options tailored to their specific needs. These options include fast approval even if there have been previous declines, taking into consideration reduced taxable income due to claimed expenses. For those with expenses that impact their qualifying income, a Stated Income mortgage can be useful. Additionally, dividend and investment income are accepted, as long as stability and proof requirements are met. In order to apply, the required documents 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. Access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers is also available, all of which accept reasonable income estimates. For Business For Self (BFS) borrowers, there are further options tailored specifically to their needs. For more information, feel free to give me a call!