Are you self-employed and in need of a mortgage? Look no further! We offer low rates and excellent mortgage options specifically designed for individuals like you. We understand the unique financial situations that self-employed individuals face, and our goal is to make the mortgage approval process fast and efficient for you, even if you have been previously declined.

One advantage of our self-employed mortgage options is that we consider the reduced taxable income resulting from claimed business expenses. We understand that these expenses can significantly impact your qualifying income, and we take that into account when evaluating your mortgage application. If you have substantial expenses that may affect your qualifying income, our Stated Income mortgage could be the perfect solution for you.

In addition to evaluating taxable income, we also accept dividend and investment income as a valid source of income for self-employed individuals. However, we do require stability and proof of this income. This means that you will need to provide documentation 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.

At our institution, we have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. These lenders accept reasonable income estimates, making it easier for you to secure a mortgage that best suits your needs.

Furthermore, we offer options specifically tailored for Business For Self (BFS) borrowers. We understand that being self-employed comes with its own set of challenges and financial considerations, and our team is dedicated to finding the perfect mortgage solution for you.

If you are a self-employed individual in need of a mortgage, give us a call today! Our knowledgeable team will guide you through the process and help you find the best mortgage option for your specific situation.