If you are self-employed and in need of a mortgage, we have excellent options available for you. We offer low rates and a range of mortgage options that are specifically designed for self-employed individuals. Whether you have been declined for a mortgage in the past or are just starting the process, we can help you get fast approval.

One of the challenges that self-employed individuals often face when applying for a mortgage is proving their income. We understand that self-employed individuals often have reduced taxable income due to claiming business expenses. Our mortgage options take this into consideration, allowing you to qualify based on your actual income, rather than just your taxable income.

If you have significant expenses that impact your qualifying income, our Stated Income mortgage option may be the best fit for you. This option allows you to provide an estimate of your income, rather than having to provide documentation of your actual income. This is particularly helpful for self-employed individuals who have a significant number of deductions or expenses.

We also accept dividend and investment income, as long as you can provide stability and proof of this income. This means that you can include this income in your mortgage application, which may increase the amount you can borrow.

To apply for a mortgage, you will need to provide several documents. These include your Notice of Assessment, T1 Tax Statement, proof of principal ownership in your business, contracts or financial statements, and a copy of the Article of Incorporation or business license.

We have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means we can help you find the best mortgage option for your unique situation and income estimates.

If you are a Business For Self (BFS) borrower, we have options tailored specifically for you. Give us a call today to discuss your mortgage needs and how we can help you secure the financing you need.