We offer low rates and excellent mortgage options specifically designed for self-employed individuals. We understand that self-employed individuals often face unique challenges when it comes to obtaining a mortgage, which is why we strive to make the process as fast and efficient as possible.

One of the key benefits of our self-employed mortgage options is that we provide fast mortgage approval, even for those who have been previously declined by other lenders. We understand that past declines can be discouraging, which is why we work hard to find a solution that meets your needs.

Our mortgage options also take into consideration the reduced taxable income that self-employed individuals may have as a result of claimed expenses. We understand that these expenses are a necessary part of running a business and we want to ensure that they do not hinder your ability to qualify for a mortgage.

For those with expenses that impact their qualifying income, our Stated Income mortgage option may be particularly useful. With this option, we consider your overall financial situation, including your expenses, when assessing your eligibility for a mortgage.

We also accept dividend and investment income, provided that there is stability and sufficient proof. We understand that many self-employed individuals have multiple streams of income, and we want to ensure that all sources are considered when determining your mortgage options.

To apply for our self-employed mortgage options, there are several documents that we require. 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 wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This allows us to provide you with a variety of options and ensure that you receive the best possible mortgage rates and terms.

If you are a self-employed individual looking for a mortgage, we have tailored options specifically designed for Business For Self (BFS) borrowers. Whether you are just starting out or have an established business, give us a call and let us help you find the perfect mortgage solution.