If you are self-employed and in need of a mortgage loan, we offer low rates and excellent options designed specifically for individuals like you. We understand the unique challenges faced by self-employed individuals when it comes to securing a mortgage, and we are here to help.

One of the key advantages we offer is fast mortgage approval, even if you have been previously declined by other lenders. We understand that self-employed individuals may have fluctuating income or irregular sources of income, and we take that into consideration when approving your mortgage application.

Our mortgage options also take into account the reduced taxable income that often results from claimed expenses for self-employed individuals. This means that your qualifying income for a mortgage can be higher than what is shown on your tax return.

For those who have significant expenses impacting their qualifying income, our Stated Income mortgage option can be especially useful. With this option, we do not require proof of income, allowing you to qualify based on your stated income alone.

We also accept dividend and investment income, as long as it can be proven to be stable. We understand that self-employed individuals may have multiple sources of income, and we strive to be as flexible as possible in considering all sources of income when approving your mortgage application.

In order to apply for a mortgage, you will need to provide certain documents, including 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 situation and determine the best mortgage options for you.

We have access to top Canadian lenders, including large banks, mortgage finance companies, credit unions, and alternative financiers. This allows us to offer you a wide range of options and competitive rates. Whether you are a self-employed business owner or a freelancer, we can tailor a mortgage solution to meet your specific needs.

If you are a self-employed individual in need of a mortgage loan, give us a call. Our experienced team is ready to assist you and guide you through the mortgage application process.