Looking for low rates and excellent mortgage options? Look no further – we specialize in providing mortgages for self-employed individuals. Whether you're a freelancer, small business owner, or contractor, we have the expertise to help you secure the best mortgage deal.

One of the biggest challenges for self-employed individuals is getting fast mortgage approval, especially if you have been declined in the past. However, we have experience in working with self-employed borrowers who have faced previous rejections. We understand the unique circumstances and financial challenges that self-employed individuals face, and we are committed to finding solutions that work for you.

When considering mortgage options for self-employed individuals, we take into account the reduced taxable income that comes from claimed expenses. This means that we consider your net income rather than just your gross income, giving you a better chance of qualifying for a mortgage.

If your expenses have a significant impact on your qualifying income, we also offer Stated Income mortgages. These mortgages are useful for individuals who have valid reasons for their expenses affecting their qualifying income, such as investing in their business or hiring employees. With a Stated Income mortgage, you have the opportunity to provide a reasonable estimate of your income based on these expenses.

In addition, we accept dividend and investment income, as long as it can be shown to have stability and meet our proof requirements. This means providing documentation such as 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.

As a mortgage broker, we have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This gives us the flexibility to find the best mortgage options for you, taking into consideration your individual circumstances and income estimates.

We also offer options tailored specifically for Business For Self (BFS) borrowers. So, if you're self-employed and looking for a mortgage, give us a call. We are here to guide you through the process and help you find the best mortgage deal that suits your needs.