We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Our programs provide fast mortgage approvals, even if you’ve been previously declined elsewhere. We understand the unique financial situations faced by the self-employed, which is why our mortgage options take into account reduced taxable income caused by claimed business expenses.

One of the key products available is the Stated Income mortgage, ideal for those whose qualifying income may be difficult to demonstrate due to expenses affecting taxable income. Additionally, we accept dividend and investment income as part of your income profile, provided there is stability and appropriate proof to support these sources.

To apply, you’ll need to provide several important documents, including your Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, relevant contracts or financial statements, and a copy of your Articles of Incorporation or business license.

We have access to top Canadian lenders, including major banks, mortgage finance companies, credit unions, and alternative financiers who are open to reasonable income estimates. Specialized mortgage options tailored for Business For Self (BFS) borrowers are also available. For personalized guidance and to explore your options, feel free to give me a call!