We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Whether you are a freelancer, entrepreneur, or small business owner, we understand the unique financial situation you may face when it comes to applying for a mortgage.

One of the benefits we provide is fast mortgage approval, even for individuals who have been previously declined by other lenders. We understand that being self-employed can make the mortgage application process more challenging, but we are here to make it easier for you.

Our mortgage options take into consideration the reduced taxable income that self-employed individuals often claim due to business expenses. This is particularly beneficial for those who have a significant amount of expenses that impact their qualifying income. We offer a Stated Income mortgage option that allows you to use your actual income, rather than your reduced taxable income, for qualification purposes.

In addition to the Stated Income option, we also accept dividend and investment income, as long as stability and proof requirements are met. We understand that self-employed individuals may have various sources of income, and we want to ensure that all types of income are considered in your mortgage application.

When applying for a mortgage as a self-employed individual, there are several documents that are required, including 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 are necessary for us to accurately assess your financial situation and provide you with the best mortgage options available.

We have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that we can offer you a wide range of mortgage options and competitive rates. We understand that every self-employed individual's financial situation is unique, and we are committed to finding the best mortgage solution for you.

If you are a self-employed individual looking for mortgage options tailored to your needs, give us a call today. We have specialized options available specifically for Business For Self (BFS) borrowers, and we are here to help you every step of the way.