If you are a self-employed individual in need of a mortgage, we have got you covered. We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand the unique financial situations of self-employed individuals and are committed to helping you secure a mortgage that meets your needs.

One of the advantages we offer is fast mortgage approval, even for those who have been previously declined. We know that being self-employed can sometimes make it difficult to obtain traditional mortgage approval, but we have solutions to overcome this challenge.

Our self-employed mortgage options take into account the reduced taxable income due to claimed expenses. We understand that self-employed individuals may have various deductions that can lower their taxable income, and we consider this when evaluating your mortgage application. This ensures that your qualifying income accurately reflects your actual financial situation.

If you have significant expenses impacting your qualifying income, our Stated Income mortgage option may be useful for you. This option allows you to state your income without providing detailed documentation, making it ideal for those with expenses that can affect their qualifying income.

We also accept dividend and investment income, as long as it is stable and can be proven with the necessary documentation. This provides more flexibility for self-employed individuals who have income from these sources.

To apply for a mortgage, we require certain documents. These include the 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. These documents help us verify your income and financial stability, ensuring a smooth mortgage application process.

In addition, we have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that we can offer you a variety of options and the ability to choose the one that best suits your needs. We take into consideration reasonable income estimates, allowing us to provide you with a tailored mortgage solution.

If you are a Business For Self (BFS) borrower, we have specialized options available just for you. We understand the specific challenges and requirements of BFS borrowers and can provide the expertise needed to secure a mortgage that fits your unique situation.

If you are ready to explore your mortgage options as a self-employed individual, give us a call. Our team is here to assist you and help you find the best mortgage solution for your needs.