If you are a self-employed individual looking for low mortgage rates and excellent options, you've come to the right place. We understand the unique financial situation of self-employed individuals and are dedicated to providing fast and efficient mortgage approval, even if you have been declined in the past.

One of the key advantages of our self-employed mortgage options is that we consider your reduced taxable income due to claimed expenses. We understand that self-employed individuals often have various expenses related to their business that impact their qualifying income. Our Stated Income mortgage option is specifically designed to accommodate this situation, allowing you to provide a more accurate picture of your financial situation.

In addition to considering claimed expenses, we also accept dividend and investment income as valid sources of income for mortgage qualification. However, stability and proof requirements apply in these cases. We understand that dividend and investment income can fluctuate, so we want to ensure that you can demonstrate a stable and reliable source of income.

To apply for a self-employed mortgage, we require certain documents. 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 options for you.

We have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. These lenders are open to considering reasonable income estimates, ensuring that we can provide you with the best possible mortgage options that suit your needs.

If you are a Business For Self (BFS) borrower, we also have tailored options available for you. We understand that BFS borrowers have unique financial needs, and we are here to help you navigate through the mortgage process.

So don't hesitate to give us a call! We are ready to assist you in finding the perfect mortgage solution for your self-employed needs.