We offer low rates and excellent mortgage options specifically designed for self-employed individuals. Whether you're a business owner or a freelancer, we understand the unique financial situation that self-employed individuals face, and we are here to help you find the right mortgage solution.

One of the key advantages we offer is fast mortgage approval for self-employed individuals, even if you have been declined in the past. We understand that traditional lenders may not always take into account the full picture of your financial situation, and we are able to provide you with options that consider your reduced taxable income from claimed expenses.

If you have expenses that impact your qualifying income, our Stated Income mortgage option may be the ideal solution for you. This mortgage allows you to state your income without having to provide extensive documentation. This can be particularly beneficial for self-employed individuals who may have a fluctuating income or those who have a significant amount of expenses that reduce their taxable income.

We also understand that self-employed individuals may have dividend and investment income that contributes to their overall financial stability. Unlike some lenders, we accept these types of income and have specific proof requirements to ensure that this income is considered in the mortgage application process.

To apply for a mortgage as a self-employed individual, there are several required documents that you will need to provide. These include 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.

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 multiple options and find a lender who accepts reasonable income estimates for self-employed individuals.

If you are a Business For Self (BFS) borrower, we have specific options tailored to your needs. Give us a call today and let us help you navigate the mortgage process as a self-employed individual.