Self-employed individuals can benefit from low rates and excellent mortgage options, with fast approval even after past declines. These self-employed mortgage options take into account reduced taxable income due to claimed expenses, making stated income mortgages particularly helpful for those with expenses affecting their qualifying income. Those with dividend and investment income can also qualify, as long as stability and proof of income requirements are met. Required documentation includes the Notice of Assessment, T1 Tax Statement, proof of business ownership, contracts or financial statements, and Article of Incorporation or business license. Access is provided to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers who will accept reasonable income estimates. Customized options for Business For Self (BFS) borrowers are also available, so make sure to contact for more information.