Self Employed

We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Even if you have been previously declined for a mortgage, we can provide fast approval. Our mortgage options take into consideration your reduced taxable income from claimed expenses, making it easier for you to qualify. If your expenses have impacted your qualifying income, our Stated Income mortgage option may be useful for you. We also accept dividend and investment income, as long as you can provide stability and proof of this income. The required documents for your application 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 top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates. We also offer tailored options for Business For Self (BFS) borrowers. Contact us to discuss your mortgage needs.

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