We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand that it can be challenging for self-employed individuals to secure a mortgage, which is why we provide fast mortgage approvals even for those who have been declined in the past.

Our self-employed mortgage options take into consideration the reduced taxable income as a result of claimed expenses. We understand that self-employed individuals often have various expenses that impact their qualifying income, and our Stated Income mortgage is specifically designed to accommodate this.

In addition to considering claimed expenses, we also accept dividend and investment income, provided there is stability and proof of these sources of income. We understand that self-employed individuals often have diverse sources of income, and we aim to be as accommodating as possible.

To apply for our self-employed mortgage options, there are several required documents that you need to provide. These 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. These documents help us assess your financial situation and determine the best mortgage option for you.

We have access to a variety of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. These lenders are willing to accept reasonable income estimates from self-employed individuals, ensuring that you have a range of options to choose from.

If you are a Business For Self (BFS) borrower, we also have tailored options available specifically for your needs. We understand that self-employed individuals have unique circumstances, and we strive to provide mortgage options that cater to these needs.

If you are self-employed and looking for a mortgage, give us a call! We have the expertise and resources to help you find the best mortgage option for your specific situation.