Self-employed individuals can benefit from low rates and excellent mortgage options. Even if they have been previously declined, fast mortgage approval is possible. Mortgage options for self-employed individuals take into account their reduced taxable income from claimed expenses. Stated Income mortgage is a useful option for those whose qualifying income is impacted by expenses. Dividend and investment income are accepted, but stability and proof requirements must be met. Required documents for mortgage applications 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. Access to top Canadian lenders is available, including large banks, mortgage finance companies, credit unions, and alternative financers who accept reasonable income estimates. Special options tailored for Business For Self (BFS) borrowers are also available. If you are interested, please give me a call.