We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Whether you are a business owner or a freelancer, we understand the unique challenges faced by self-employed individuals in obtaining a mortgage.

One key advantage we offer is fast mortgage approval, even if you have been declined by other lenders in the past. We recognize that traditional income verification methods may not accurately reflect your true earning potential, which is why we have tailored our options to consider the reduced taxable income resulting from claimed expenses.

If your qualifying income is affected by significant expenses, our Stated Income mortgage option may be suitable for you. This option allows you to state your income without providing extensive documentation, making it easier to qualify for a mortgage.

We also accept dividend and investment income, as long as it can be proven to be stable and reliable. We understand that self-employed individuals often have multiple income streams, and we are willing to consider all viable sources of income.

In order to apply for a mortgage, we will require several documents from you. This includes your 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 standing and determine your eligibility for our mortgage options.

Additionally, we have access to a wide range of top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. This means that we can provide you with a variety of options and work to find the best mortgage solution for your individual needs and circumstances.

If you are a Business For Self (BFS) borrower, we have options tailored specifically for you. We understand that self-employed individuals have unique financial situations, and we are committed to helping you navigate the mortgage process successfully. Give us a call today to discuss your options and get started on securing a mortgage that works for you.