There are low rates and excellent mortgage options available for self-employed individuals. These options also offer fast approval, even for those who have been declined in the past. The mortgage options for the self-employed take into account reduced taxable income due to claimed expenses. The Stated Income mortgage is particularly useful for those with expenses that impact their qualifying income. Dividend and investment income are also accepted, but stability and proof requirements are necessary. To apply for these mortgage options, you will need to provide certain 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, including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates, is available. There are also options tailored specifically for Business For Self (BFS) borrowers. If you are interested, feel free to give me a call!